Barclaycard, Statute of Limitations, and Refund letters

[mickrick]

I have/had a disputed figure with Barclaycard, which they either sold or passed to a DCA (different letters state different things).

 

Neither Barclays or the DCA have had the nads to pursue the disputed figure through the courts and as I haven't responded to any of their nice "please contact us, we will do everything to help you" letters, I have under a year to go till the Statute of Limitations (SOL) kicks in.

 

A couple of weeks ago, I received a letter from Barclaycard, apologising for their their being less than fair on me when I was a customer, and awarding me a couple of hundred quid by way of restitution for the fees, interest, arrears, and threatening behaviour they inflicted on me over the years.

 

It went on to say that as I have an outstanding debt, they would pass the money on to them to deduct from my account. Which, as it isn't an admission of unfairly charging extortionate fees and interest per se, I am pretty sure the money should have been paid to me, not the DCA.

 

And if they sold my "debt" to the DCA, as they have stated in the past, then they wouldn't have had any further claim on my account. Of course, the letter went straight into the shredder and into the recycle bin.

 

Then at the weekend, I received another letter again saying they may have treated me less than fairly, and saying they were going to pay £75 IN CASH no less, to me personally.

 

There was an enclosed form for me to send them details of my bank account to pay the money to. Well, whoop-dee-doo! I'm going to be £75 better off. Or am I?

 

The problem is with the SOL.

If I return the form to have the money transferred to my bank account, can they misconstrue this to be me making contact with them regarding the disputed outstanding figure, and reset the SOL again? Is it best to err on the side of caution?

 

£75 isn't a huge sum but after being turned down for PIP after being on (undisputed and indefinite) DLA for the last 6 years (another story) it would certainly come in useful.

Edited November 19, 2018 by dx100uk
Spacing

[AndyOrch]

No it isnt an acknowledgment...just details of your bank account...take the money:wink:

[slick132]

Hi Mick,

 

Then at the weekend, I received another letter again saying they may have treated me less than fairly, and saying they were going to pay £75 IN CASH no less, to me personally.

 

Was this definitely from BC, and not a DCA ?

 

[mickrick]

Hi Mick,

 

 

Was this definitely from BC, and not a DCA ?

 

 

Definitely from Barclaycard. Has no one else had one of either of these?

[slick132]

Then take the money, as Andy suggests.