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    • So I am now in receipt of a second Letter of Claim this time from DCBL although their letter head now says " DCBLegal"  😱 Now I'm guessing one response to a letter of claim is sufficient and I could ignore this but having been inspired by other snotty letters I wanted to have another bash at one. How does this sound? Dear Lackeys of Company with Unconscionable Morals, Thank you ever so much for gracing me with yet another Letter Before Claim on behalf of Excel Parking Services. How many of these delightful missives do you plan on sending before you muster the courage to follow through on your threats to take me to court? Just so we're clear, here is the response (in italics by that I mean the slanted text below) I previously sent to Excel’s Letter Before Claim, in case your attention to detail is as lacking as I suspect: I am currently 2-0 up in terms of Small Claims Court proceedings and I look forward to the opportunity to claim a hat trick, this case being more straightforward than my previous two. I will be asking the court for an unreasonable costs order under CPR 27.14(2)(g) due to your conduct over this absurd claim. Despite my best efforts, you continue to assert that I have breached your terms. However, I cannot breach terms that I was not present to accept. Have you even read my initial response? I suggest you review it thoroughly and save yourself some money. Additionally, please refer to section 13 of the IPC Code of Practice, 2023 edition. I eagerly await your deafening silence. Remarkably, I haven't heard a peep from Excel since my response; instead, they've passed the baton to you to perform this tiresome routine once more. Consider this my official notice that I am sending a cease and desist letter to Excel Parking Services. Their relentless hounding has crossed the line into clear harassment. Any further demands for payment from you, as Excel's lackeys, will be regarded as nothing more than shameless acts of intimidation and harassment. I now look forward to the deafening sound of your silence. Yours sincerely,
    • Personally I'd go to it and object for the sake of it. They have to attend anyway so I can't see you being liable for any costs or anything (if they try to ask for attendance costs, just say that firstly it is their application, secondly it is from their own making, thirdly that they would have to come anyway so you shouldn't need to bear their costs.   When you turn up you should object on the basis that the witness has been in office since the time of the order, and could have done their witnes statement in advance of their AL. Their poor planning is not your fault, 7 days is too rushed for you as a LIP and there is no good reason that a company can't organise itself to sort WX in time. Also they say finalise so they already have something, its not like thye have nothing. Their amendments cannot be so important if they are being added so late.   see what @AndyOrch says but that's my thoughts  
    • Yes, in the main your understanding of my case is right. Linked below to the post with the final WS sent to the court and to Evri.   
    • Hello, welcome to CAG. As you say, appealing this ticket doesn't help as these people hardly ever accept appeals. They don't care how difficult someone's life is, they just want the money. The forum guys should be along later with thoughts for you on how to deal with this. Best, HB
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Barclaycard - old Egg Card debt and wescot


cclune
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Thanks

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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.

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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 ;)

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  • 1 year later...

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?

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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?

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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?)

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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....

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  • 10 years later...

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 by cclune
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  • cclune changed the title to Being chased by W*scot for Barclaycard Debt
  • dx100uk changed the title to Barclaycard Debt and wescot

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.

 

 

 

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

 

dx

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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  • dx100uk changed the title to EGG Card Debt

when did you take the 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

1 hour ago, cclune said:

Originally egg, including some new Barclaycard debt

what do you mean by that?

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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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

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they will never have an egg agreement from that period.

 

threads merged

dx

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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  • dx100uk changed the title to Barclaycard - old Egg Card DEbt and wescot

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

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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  • AndyOrch changed the title to Barclaycard - old Egg Card debt and wescot

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..:crazy:

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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