Barclaycard - old Egg Card debt and wescot

[cclune]

Is this CCA enforceable? - Egg - Consumer Action Group

 

I have the same agreement - the issue I have is the interest rate is getting extortionate, I've kept up with payments and but the interest keeps going up

[Googley2]

If you are no longer using your card and trying to pay it off ring them and say you want to "opt-out", this will stop them increasing the interest rate but you wont be able to spend on it anymore.

 

I did it several months ago and its quite easy.

 

Once balance is clear you then have to wait one year before you apply again to Egg for a new one.

 

I dont intend to go down that route again so its no problem for me.

[cclune]

Thanks for the info

 

TBH I think I'll request egg provide a copy of my agreement. I understand banks are not the best at keeping records of agreements. Hopefully they wont have a copy of my agreement

[cclune]

Now Barclays have purchased egg debt for what looks like pennies to the pound. Yet current interest rates remain. My egg card (and debt) has been transferred to Barclay Card (like everyone else on this thread). Couple of Q's - does anybody know what the egg t&c's are concerning transferring of debt? ie we didn't sign anything with barclays.I for one don't mind paying the balance off so long as my interest rate on existing purchases is drastically reduced. Any suggestions?

[victoria_siempre]

Hi cclune

 

You will have received Egg T&Cs with your illegible CCA. Barclays have written to me with no instructions as to how to change token payments to them so I maintain payments to Egg. I am a bit stupid and don't no what else to do.

 

x

 

v

[raydetinu]

Yep same here, still paying Egg, as no instructions to change received yet!

I also dont see how, as my egg account/agreement was cancelled, good old Barlays can suddenly resurrect it and give me a new barclaycard account number?

[cclune]

Additionally, if nothing was signed with Barclays it may be worthwhile requesting anything that was signed.

 

Nothing was signed with Barclays, do you think they'll be able to pull out the original egg contract?? (incidentally, does anybody know what the egg terms are concerning transfer of debt?)

[cclune]

The Q isnt about transfered debt - the Q is - if the egg team have been made redundant how long would it take for Barclays to provide original documentation on where I signed on the dotted line with egg many moons ago....

[raydetinu]

Mills did suggest that!

But suggest you ask them, put in a CCA request with PO for a pound.

[cclune]

Mills did suggest that!

But suggest you ask them, put in a CCA request with PO for a pound.

 

Sorry to be a total pain - but what thread on this forum would be the best to find a CCA request template - I don't want to get it wrong and your help would be much appreciated.

[cclune]

Never missed a payment in decades, yet after the Big C here I am in debt.

 

I have Wescot chasing me for Barclaycard debt. At the time I couldn't pay, I was in touch with Barclaycard regularly, and did their affordability exercise, and when they realised I couldn't afford to pay my cc bill they just went quiet on me.

 

I previously froze interest, but owe a lot.

 

Should I send out a DCA to Wescot? (Are DCA's still valid?)

 

Any advice would be extremely helpful.

 

Thanks

Edited December 13, 2022 by cclune

[dx100uk]

you mean cca request?

 

if wetcloths client are stated as barclaycard

then no point really till/if the debt is ever sold.

 

just ignore wetcloths if the above is true.

 

 

 

[dx100uk]

is this a barclaycard or you old egg card debt that BC now own.

 

dx

[cclune]

Thanks. Yes CCA. So I should ignore until debt is sold? How would I know when the debt would be sold?

 

Originally egg, including some new Barclaycard debt

[dx100uk]

when did you take the card out?

[dx100uk]

1 hour ago, cclune said:

Originally egg, including some new Barclaycard debt

what do you mean by that?

[cclune]

It was an egg card. Transferred to Barclays.

I did use the card after the switch.

 

I was going to do the CCA thing a long while ago, but my situation changed, and I cleared what the balance was then.

 

Essentially the same card from approx 20 years ago.

Defaulted payment approx 8 months ago.

But at that stage it was around 10k

[dx100uk]

they will never have an egg agreement from that period.

 

threads merged

dx

[cclune]

Thanks for the info.

 

So it's just a waiting game for me then until I can send out a CCA? Hope this isn't a silly Q - but how long do card companies wait until debt is sold off?

[dx100uk]

given the age of this, you could cca request BC IMHO.

 

they'll not find one, and then sell it on.

 

how much is outstanding?

 

dx

[cclune]

10k

[dx100uk]

ouch!

why did you run it  back to £10k when you indicated you'd the same type of balance years ago on it and cleared that..

[cclune]

Twice made redundant, then rediculous interest rate that meant my monthly was barely knocking anything off, plus redundancy during covid. Also, if Barclays sells the debt after CCA request, would it be a case of sending another CCA request to the new debt owner?