Barclaycard default 2018 - passed to robinson way

[evianxxox]

Hi, i'm just hoping for some advice.

I defaulted on my barclaycard for the amount of 8000 in late 2018, since then i've pretty much buried my head in the sand and ignored everything.

 

My debts been passed to a few different agencies and now i'm getting text messages from Robinson Way telling me my account is now active and to "please register".

 

I'm just wondering what my plan of action should be or if i should just continue ignoring everything?

[dx100uk]

I would suspect if you look at you credit file the debt has been sold to hoist UK, of which robbersway DCA are one of their trading names.

 

did you not receive a notice of assignment from BC and Hoist stating this sale?

 

dx

 

[evianxxox]

Thanks for the reply.

 

Yes, I did receive a letter from Barclays saying my debt was now with a new company. 

 

Should I just continue to ignore as I have been?

[dx100uk]

When was the card opened please?

[evianxxox]

December 2014

[dx100uk]

urm very recent then

still at the same address?

what letters have you had to date?

nothing entitled Letter of claim ?

 

dx

 

[evianxxox]

Yes, same address.

 

Nothing entitled Letter of Claim.

 

All letters from Barclays specifically have been about passing my account to different collectors. It's been passed to about 3 in total now.

[dx100uk]

yes but until recent the DCA letters have stated 'our client barclaycard'

the recent letter I ecpect don't

so have you received a notice of assignment?

or do all the letters the date clearly list a DCA acting for BC their client'?

 

just trying to gauge where you are at?

 

who does your credit file state as the owner?

 

dx

 

[evianxxox]

The letter from Hoist does say Notice of Assignment.

 

I'm not sure exactly where to look for my credit file owner, any help with that would be appreciated.

[dx100uk]

just type no need to hit quote.

 

go get your credit file

the debt will be listed

 

but now you know its hoist so sold on.

Barclays have washed their hands of it now.

 

with a balance of £8k this could get sticky for you

but don't ever communicate in any way other than by royal mail letter

nor reply /answr by phone/email/text..if they do ring state writing only please and pit the phone down. do not engage in convs.

 

have you all the statements from day one?

and is everything regarding the 'debt' from your side happy like no disputes on anything you ran up to get that balance?

 

 

 

 

 

 

[slick132]

Hi Evian,

 

If you have all statements, check carefully for default fees for late, missed or bounced payments.

 

With the a/c being relatively recently opened and defaulted, the effect of default fees may not be so great, but every little helps.

[evianxxox]

I believe I have access to all of the statements on the Barclaycard website, I don't have anything on paper unfortunately.

 

The letter sent by Hoist shows a default of 8124, the total limit on the card was 8000 so it seems not too much has been put on top of the debt.

 

For my part I don't dispute the debt at all, completely my fault for this situation.

 

 

[dx100uk]

sent an sar to bc

 

dx

[evianxxox]

Thank you, i'll get on to that right away.

 

I just had a text from Robinson offering me an offer of paying just 75%.

"we've got great news for you! Right now you can settle your Robinson Way account by paying just 75% of your outstanding balance"

 

I will of course ignore that but i'm just wondering if those kind of offers will keep coming? 

 

I'm also curious as to how aggressive they might become in their attempts to reclaim the debt and what the worst case scenarios are?

Would it ever be in my interest to maybe offer payment of £5-10 a month or is that a bad idea?

[dx100uk]

no.

 

get reading up..here

use our search top right

 

if a discount is being offer there more to be had

and find out the reason why too

 

don't forget a dca has no more legal powers than you or I do...

if they think you owe money... all they can do is issue a court claim.

 

the rest is all hot air

 

 

 

 

[London1971]

All the stuff they send you is just noise. Unless it’s a letter before action which cannot be ignored. It’s quite possible that nothing more will happen and the debt will become Stat Barred after 6 years of no payments. That is why you Mustn’t pay them.
 

Worst that can happen is that they 

send the above mentioned letter then a Claimform, where you can appear in court to defend your case. Even if you

lose and they are awarded a CCJ you have a month to pay in order to stop it appearing on

your credit file. Failing that you can arrange an affordable monthly payment to pay off the CCJ . It will stay on your credit file for 6 years though.

 

Even that is hardly the end of the world, mortgage lenders etc start to ignore CCJ’s when they are a year or so old.

 

Taking all of this into account you probably have a 10% chance of the worst case scenario.

 

It really isn’t worth losing sleep over, providing you write to them informing them of your new address if you move. And you open all your

mail !