Advice regarding credit card debt

[Floppers]

Hello. I’m obviously new here and I’m in need of some help please
The debt is mine - I took £2000 of my credit card 2018 ish
I at the time was homeless not working or claiming benefits
3 years ago oddly today I got the place I live in now - as I’m classed as vulnerable I had a worker for 12 months ( local authority flat )
As far as I was aware she applied for breathing space - I’ve not paid or heard from anyone until Thursday 11th of July
I have a medical condition with diagnosis NHS
there are a couple of things that are not true
1) A payment plan with Barclay Card
2) My account opening 2003 ( I opened in 1997/8 )
3) My account default March 14th 2022
i have my credit report February 2024 also Karma Credit Experian via logging in
I’ve rang National Debt today have a CAB appointment Friday this week
ill upload the letter I’ve had to take a picture and I’m not great with technology
I’ve had to shorten it I just took a screenshot I hope that’s ok. It won’t let me upload it [IMG]https://legalbeagles.info/forums/image/gif;******,R0lGODlhAQABAPABAP///wAAACH5BAEKAAAALAAAAAABAAEAAAICRAEAOw==[/IMG]

[Floppers]

I was also rang today and received a txt message too

I haven’t spoken to them verbally or written and I won’t be doing as I understand that it will reset the time from last payment or contact
which is 3 years

[Floppers]

IMG_4164.jpegIMG_4165.jpeg

[PallasAthena]

Letter didn't upload. Who has contacted you? I assume debt collectors.

If you have a CAB appointment come back here afterwards and let us know what they recommend. In the meantime do not reply to the debt collectors or speak to them at all.

Not sure 3 year period you are referring to. If you mean the 'statute barred' date after which they cannot enforce the debt that is 6 years from when you last made a payment or acknowledged the debt, not 3. It would start runing from when the lender defaulted the account so if that was in March 2022 as they claim you are nowhere near this debt being statute barred.

EDIT: The account summary spreadsheet has just appeared but we need to know what their letter says if they have written to you. Cover up all personal information that could identify you before uploading, including any reference numbers.

[Floppers]

Cabot finance the letter is from original debt Barclays

Ok I’ll come back on Friday after I’ve had my telephone call with CAB

And thank you it really is appreciated by me

[Floppers]

IMG_0019.jpeg 3 years is since payment or contract from myself or Barclaycard

Is definitely not over the 6 year period

I think without any knowledge of the legal side

They may have not checked I could afford to repay
Wasn’t working or claiming benefits

The 2003 opening the account is wrong definitely 1997/8
i went in to the bank and filled it in the old way. Again I have no understanding but read something about a signature on the credit agreement

[PallasAthena]

OK, so what you have received is a Notice of Assignment of Debt. Barclays have sold your debt to Cabot Financial (UK) Ltd so Cabot now own it (not Barclays). You now owe the money to Cabot and it is Cabot who could take you to court (assuming you do owe the money).

So if you haven't already heard from Cabot expect to hear from them soon.

There's a more detailed explanation of 'Notice of Assignment of Debt' here

https://ukdebtexpert.co.uk/knowledge...of-assignment/

[Floppers]

Yes what you have said is correct

Cabot have written and tried to call me the latter being this morning

I don’t disagree that the debt is mine

Just that there are mitigating factors when I was given

It about -

affordable repayments as I had no income homeless suffering from a chronic condition ( Equality Act 2010 ) I’m classed as disabled due to my diagnosis

I do apologise as I’m sure a Saturday evening is not a ideal time for me to be waffling on

2018 I believe I took the debt
2020 July I moved into a homeless hostel
2021 July I moved out and into where I am today

Monthly monies were paid until July 2021

I shall look now at your link so thank you

I just want to know what is the best way to deal with the situation fairly for all

[Floppers]

IMG_4168.jpegIMG_4167.jpeg Mornings

I shall check my bank but I’m sure I paid nothing from
July 2021 ( I was told I was in breathing space )

But the report is saying I did pay

If that was true the debt would be less than it is

Can I say I did pay £100 per month until January ?

Basically as I’ve said I just want it done with

But I’m not having me being taken for idiot

Ive had no contact from Barclay definitely since I’ve been here - July 2021

Ive also applied for other cards and got them

Even with this default on my credit report

So when they say we are talking you to court

They can’t ruin my credit score anymore than it is now
Is that right ?

Thank you

[Floppers]

IMG_4201.pngIMG_4202.png Evening

Cabot are worse than what a stalker would be like ( Obe never had the misfortune of a stalker )

Friday I have a CAB appointment over the phone

Since last Thursday 11th July I’ve been contacted every day bar Sunday. Txt message a email and phone
calls

Obviously I’ve not communicated with them as I don’t actually know who owns the debt either then or Barclays
No interest can be applied I don’t think it’s not changed in 3 years

I just would like to know I’m I doing the best thing ?

I will go down the route of my disability/illness isn’t going to be getting better for well ever which I do have a diagnosis for from the NHS plus been unable to work for over a decade

As it’s £2400 ( I will be asking for credit agreement ) and evidence of my payments

As after 3 years of being where I am now and not contact from anyone Barclays have done nothing

To this I’m Mr popular at Cabot’s

[Floppers]

I forgot also what would be a fair final settlement offer ?

seen some offerings of £900 on circa £2400

I was thinking half of that considering they have only owned the paperwork a week and they will have paid pennies for it

This is only me finding out information as I’ve never been in this situation before in half a century

All being well first and last time. But you can never be sure

[Floppers]

Morning

What is the benefit to them to receive communication from me ?

emails
txt
calls

The debt is definitely not over 6 years since last payment 2021 June May id guess

But zero contact since those dates

Thankfully have my appointment tomorrow

Because it’s starting to impact on my mental health which can lead to me going downhill quickly

Which would quite annoy me as I’m weeks away from
a full calendar year which would definitely be a world record for myself since a teenager

For clarity I’m not in anyway in danger of causing any physical harm to myself ( Sound dramatic I know but it’s a standard practice to be asked this question )

Which is a very important question to be asked

Kind regards

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[PallasAthena]

Let us know what CAB advise. In the meantime why not block their mobile number and email address?

You say "I don’t actually know who owns the debt either then or Barclays" but actually you do because the Notice of Assignment from Barclays that you attached in Post #6 is the formal notification from Barclays that they have sold your debt to Cabot.

[Floppers]

Hi

The phone I have set on don’t except numbers that are not in my contacts I’ll post a picture because it’s actually very handy

The email they have subscribed me so I’ve just left it as
i don’t have any notifications ( also don’t want them to know I’ve seen it ) sounds a tad mad I know

I shall I’m looking forward to my appointment tomorrow as I genuinely don’t know if it’s real or not ( I suspect it to be ) but after so long of no letters calls emails to this a avalanche this last week

think I’d rather be safe than sorry

but thank you for you response and advice it’s really appreciated

[Floppers]

Think they’re as sick as me from their last txt

Stop unknown numbers ring you as I promised