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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?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

have you moved since taking this card out?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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???

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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 don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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 ...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Read your thread already explained

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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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  • 4 weeks later...
  • 4 weeks later...

then you ignore then till they comply

but don't ignore a claimform from a court

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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