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Barclaycard debt H Cohen letter/Court threat/ last try ?

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I've been contacted all of a sudden after a 5yr gap of silence regarding a Barclayard they believe was mine,

from my calculation it would be a few months off 6 yrs since this would be defaulted on.

 

First letters were to say it had been transferred to Robinson Way and was quite nicey nicey,

 

second was to say get in touch we could wipe off a quarter of what you owe,

 

today's was we have looked at your account and believe we have enough to go for litigation and MAY pass this to Howard Cohen and co in 10 days and then it may go to court blahdy bla

 

~Is this a last gasp effort to get me to pay back or are they being serious about going for court ?

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SB doesn't run from defaulted date

when was your last payment?


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if its a few months earlier could be SB 'd

 

no harm in ringing BC and asking?

or is it on your credit file?


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have you moved since taking this card out?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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address yes, I also know they have a slightly different DOB on the account for a reason I can't fathom

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Then its a phishing letter

So you need to protect against a backdoor CCJ as you've not informed them nor the OC you've moved in writing???


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OK refresh as my affairs are quite complex

 

They do have my current address and my last payment was May 2012 so I'm 7 months off it being statute barred.

 

Funny thing is if I rang them I wouldn't make it past security as they weirdly have a different DOB so I couldn't possibly breach data protection laws by discussing the account with them.

 

I doubt that will get me out of the poo though, is it worth disputing the account for as long as possible ??

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How have they got your correct address??

You told BC it in writing or have already written to the DCA?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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I don't recall doing it in writing, may have been a phone call years ago, I've had no correspondence with DCA about this debt and haven't acknowledged it

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Then they do not officially have it

Its why they send the discount phishing letters

 

If they get no response

They are safe to go for the backdoor CCJ

At the old address

 

CCA time

Serves 2 purposes ...


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thanks Dx for the info so far, can you expand on what purposes that will serve please, I'm a tad jittery about the whole affair !

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Read your thread already explained


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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CCA request means they have to provide evidence of their right to collect.

 

Your CCA request also gives them your current address so they have no excuse for using an old address and getting a default CCJ Judgement because you knew nothing about the claim and failed to defend.

 

:-)


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Had a letter saying they have put it on hold while they try to obtain the agreement, 3 weeks now

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Well I asked for a CCA and got a reply they would look for one....nothing since so must be a big archive room :)

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then you ignore then till they comply

but don't ignore a claimform from a court


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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