Barclays Masterloan - Enforceable Recon CCA?

[renegadeimp]

21 hours ago, HSBCandMe said:

Letter from barclays on saturday saying wescot will be managing account on their behalf.  What became of moorcroft.  

 

Texts today from wescot. Withheld number so unable to block.

 

Ignoring everything.  

Id report them. Iirc theyre not allowed to withhold their number

[HSBCandMe]

Wescot are pestering pretty bad. So far (both) just calling and texting my mobile.  

 

Out of curiosity, are DCAs allowed to call or visit me at my place of work? 

Edited August 29, 2019 by HSBCandMe

[dx100uk]

ofcourse not

where have you got that idea from?

 

 

[HSBCandMe]

It was a question. Thank you for reassuring me. 

[HSBCandMe]

Barclays have withdrawn my CC while it still has an overdrawn balance.  It was being managed well and I always met my payments. Thankfully however it is not a massive debt. Presumably they have done this because I stopped paying the old Masterloan and this has gone to Wescott (who are bombarding me with calls).

 

That's fine and I don't want their credit card anyway. However, I am worried that they will automatically proceed to trash my credit files by showing the balance as "in excess" of my zero limit, which is exactly as they are showing it on my banking app.  This would be very annoying, as I paid well over the minimum balance this month before they just unilaterally pulled the plug on my account without notice.  Is there anything I can do about that happening?

 

[dx100uk]

probably already defaulted surely?

 

[HSBCandMe]

Hi, no. It was all kosher. You see, the disputed Masterloan is so old (2003) it never impacted on my other accounts with them until I stopped the AP.  No matter, I don't want their lousy CC anyway. I will pay the balance off and be done with them. 

 

No sign yet of the bank selling the old Masterloan debt on. Their cockroach friends at Wescott keep upping the ante but, as you say, are powerless while acting as agents.

[HSBCandMe]

Re Masterloan, Wescot are bombarding my mobile 'phone with texts. 3 or 4 a day minimum. Although I tried to block their number they seem to find a way to send them. Is there any way I can block Wescot? I know I don't have to answer but justb seeing their name in my messages is upsetting.  

 

I got a 'red letter' from them but just filed it under 'i' for ignore. 

 

How long begore Barclays give up and sell it on do you think?

Edited September 9, 2019 by HSBCandMe

[HSBCandMe]

Letter received  today from wescot offering a 70% discount if I settle.  If I dont, they say Barclays will pursue whole amount.  70% white a hefty discount though isnt it?  

[dx100uk]

Your call

[HSBCandMe]

1 hour ago, dx100uk said:

Your call

Ok, fair enough.

[HSBCandMe]

Sharklays via Wescot rejected my counter offer, and have instead reverted to asking for 80% (not 30%) of their claim. I have withdrawn my offer and await their next steps.