Hi all,
just received a court claim from Keynes Collections, on behalf of Barclaycard, today but this one has an interesting history. Back in 2008 I had a Goldfish card, then Barclays bought out Goldfish and I had a Barclays Goldfish card. Everything was fine, then in mid 2010 my card was declined when I tried to use it; no payments had ever been missed on it, within my credit limit etc.. Thought it a mistake, tried again a day or two later, again declined.
So I contacted Barclays, who informed me that the card was now repayment only, because of my conduct on a previous Barclaycard (I had run into trouble with a Barclaycard before, and that was on the back burner as they could not produce any of my agreement info). No prior letter, warning, nothing. I wasn't best pleased, made a formal complaint and refused to pay what would have been essentially a loan, at an interest rate of 17.9% (they refused to freeze interest)
Well, after a letter exchange in which they continually refused to address the problem (I was told their terms and conditions allowed them to do anything!) I told them I would not be paying anything further. A few demands came my way then it went quiet. I had letters from Mercers, Resolvecall,Calder Financial, Credit Solutions, Power2Contact, MKRR and Keynes (I know some of these are interconnected). I explained to each that I regarded this account as IN DISPUTE, due to the nature of the complaint, and that it should not have been passed on, and they tended to go away.
MKRR, in late 2011, claimed to have been assigned the debt by Barclays; I wrote to them and Barclays asking for proof of this, as I never received anything. Barclays never replied, and MKRR said they would look into it and get back to me. That was January 2012; in August 2012 I received a letter from Keynes threatening court action; sent a letter saying who are you, where are MKRR, prove you should be processing my data.
No reply. Then out of the blue, Keynes sent a letter beginning of Feb giving me 7 days to contact them to pay; I ignored it, and then today received the court claim from them
(phew!)
I would appreciate all questions and advice but can I ask:-
1. As my goldfish card was converted to a barclaycard, should they have blocked it te way they did?
2. Would Barclays t & c have superseded the Goldfish ones, even though those were the ones I agreed to?
3. I still am not in possession of any proof of assignment. Can they issue a court claim without this?
4. Were Barclays allowed to sell on the debt, assuming they did, even if it was in dispute?
Just to add to the excitement, the figure on the court claim includes several hundred pounds in interest charges on my account that were added many months on from my original claim, and is money I am trying to claim back from Barclays as unfair charges. Does this affect things any?
Thanks for reading this far, and any input is welcome!
just received a court claim from Keynes Collections, on behalf of Barclaycard, today but this one has an interesting history. Back in 2008 I had a Goldfish card, then Barclays bought out Goldfish and I had a Barclays Goldfish card. Everything was fine, then in mid 2010 my card was declined when I tried to use it; no payments had ever been missed on it, within my credit limit etc.. Thought it a mistake, tried again a day or two later, again declined.
So I contacted Barclays, who informed me that the card was now repayment only, because of my conduct on a previous Barclaycard (I had run into trouble with a Barclaycard before, and that was on the back burner as they could not produce any of my agreement info). No prior letter, warning, nothing. I wasn't best pleased, made a formal complaint and refused to pay what would have been essentially a loan, at an interest rate of 17.9% (they refused to freeze interest)
Well, after a letter exchange in which they continually refused to address the problem (I was told their terms and conditions allowed them to do anything!) I told them I would not be paying anything further. A few demands came my way then it went quiet. I had letters from Mercers, Resolvecall,Calder Financial, Credit Solutions, Power2Contact, MKRR and Keynes (I know some of these are interconnected). I explained to each that I regarded this account as IN DISPUTE, due to the nature of the complaint, and that it should not have been passed on, and they tended to go away.
MKRR, in late 2011, claimed to have been assigned the debt by Barclays; I wrote to them and Barclays asking for proof of this, as I never received anything. Barclays never replied, and MKRR said they would look into it and get back to me. That was January 2012; in August 2012 I received a letter from Keynes threatening court action; sent a letter saying who are you, where are MKRR, prove you should be processing my data.
No reply. Then out of the blue, Keynes sent a letter beginning of Feb giving me 7 days to contact them to pay; I ignored it, and then today received the court claim from them
(phew!)
I would appreciate all questions and advice but can I ask:-
1. As my goldfish card was converted to a barclaycard, should they have blocked it te way they did?
2. Would Barclays t & c have superseded the Goldfish ones, even though those were the ones I agreed to?
3. I still am not in possession of any proof of assignment. Can they issue a court claim without this?
4. Were Barclays allowed to sell on the debt, assuming they did, even if it was in dispute?
Just to add to the excitement, the figure on the court claim includes several hundred pounds in interest charges on my account that were added many months on from my original claim, and is money I am trying to claim back from Barclays as unfair charges. Does this affect things any?
Thanks for reading this far, and any input is welcome!
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