Connaught Collections CCA request problem

[FlamingParrot]

Re: Connaught Collections CCA request problem

Problem here is with my barclaycard. They are my bank and i have CCA'd them they are defaulting on it now if i stop payments they may take money from my account which im in overdraft anyway

I thought you said this was SOLD to Connaught when you defaulted years ago! If it was assigned in absolute, Connaught/1st Crud now own this debt, not Barclays.

The right to set off only applies to your own money, not the overdraft facility. They can't take money you haven't got.

and all i really want is if they cant supply CCA offer them a full and final settlement of 10% and be done with them. Is this possible?

You can try, but if they can't supply a CCA you can also just stop paying and sit it out. That's what I'm doing... :thumb: Why pay 10% (provided they accept it), when you can pay 0%, if there's no CCA they can't get a CCJ.

But what about my overdraft? I will be oweing that then.

also as i have a CCJ until next year and some defaults which bank will let me open a new account?

See above, they can't offset from an overdraft, just from your own money. Also if the debt has been sold, Barcraps can't take money to pay Connaught!

Also as i have a CCJ until next year and some defaults which bank will let me open a new account?

could i not continue making token payment and then after a couple months write to them saying you havent supplied me with my CCA information i am offering full and final offer of xxxx to satisfy this account take it or leave it?

We are getting things mixed up here with the issue of set off. If you are making token payments it's because you've already defaulted, and that was years ago. If you had money within the same bank, they could have offset from that account when you defaulted, and they would have done so regardless of whether you made token payments or not, as you had broken your contractual payments, they would have the right to offset.

Now this debt is owned by Connaught/1st Crud not Barcraps, it got defaulted years ago, no reason they should offset now.

[FlamingParrot]

Re: Connaught Collections CCA request problem

Yes but your money will be safe elsewhere, and then you can sort out that area, get a Parachute Account sorted and you income paid into that, the ball is in your court then and you are in a passion to negotiate or attempt to, the peeps on here will advise but main thing now is another account away from the> PRIORITY if you have an overdraft and cannot clear in one go you can attempt to sort that out from a safe haven.

Mike, see above, this account was defaulted in 2007 and SOLD to Connaught, if they were going to offset, they'd have done it back then, when Barcraps still owned the account.

[MIKE770]

Re: Connaught Collections CCA request problem

Mike, see above, this account was defaulted in 2007 and SOLD to Connaught, if they were going to offset, they'd have done it back then, when Barcraps still owned the account.

Thankyou for pointing that out, yes they would of!

[Smilesallround]

Re: Connaught Collections CCA request problem

Mike, see above, this account was defaulted in 2007 and SOLD to Connaught, if they were going to offset, they'd have done it back then, when Barcraps still owned the account.

So you are telling me so i get this right.................they cannot take my salary before it hits my account to cover my overdraft??

Think i have confused everyone...........Connaught is a separate account. I also have a defaulted Barclaycard account still with Barclaycard that i have CCA'd. This is the one that concerns me as i bank with them.

[FlamingParrot]

Re: Connaught Collections CCA request problem

So you are telling me so i get this right.................they cannot take my salary before it hits my account to cover my overdraft??

NO, I wasn't saying that at all, I was referring to a credit card sold to Connaught! Sorry if I got it mixed up If your salary is being paid into the same current account where you are overdrawn, the money will automatically go towards paying the overdraft, that's the way current accounts work!

Think i have confused everyone...........Connaught is a separate account. I also have a defaulted Barclaycard account still with Barclaycard that i have CCA'd. This is the one that concerns me as i bank with them.

You have indeed! :ohwell: If you have recently defaulted on a Barclaycard, then they CAN take your money and exercise the right of set off! To avoid further confusion, it would be probably best if you started a new thread about this other account, because this thread is entitled "Connaught Collections CCA request problem", which suggest you are referring to the account that got sold to Connaught. :confused2:

[Smilesallround]

Re: Connaught Collections CCA request problem

:ohwell: If you have recently defaulted on a Barclaycard, then they CAN take your money and exercise the right of set off! To avoid further confusion, it would be probably best if you started a new thread about this other account, because this thread is entitled "Connaught Collections CCA request problem", which suggest you are referring to the account that got sold to Connaught. :confused2:[/QUOTE]

No i defaulted on the Barclaycard in 2007 but it still remains with Barclaycard they havent forwarded the acount onto a DCA so this is my worry, i bank with them have a overdraft my salary goes in to cover it and they are in default of my CCA request. So i wanted to know can i stop making payment to them until they provide me with the information i need?

[MIKE770]

Re: Connaught Collections CCA request problem

Right as before get a new account and your salary paid into it, you then have control of your money, that is a start as I see it, then they cannot offset towards overdraft with your salary, you then decide amount to pay towards overdraft ? (Barclays cannot set off your salary as it would not be in Barclays account),!?

If CCA is with connaught collections and they are in default of a CCA request then it is up to you if you do not pay them, and people will say "No CCA no pay", but try and keep one thread for Bank account and a seperate one for Credit card.

Hope we are in the right area of interpretation now!

[FlamingParrot]

Re: Connaught Collections CCA request problem

Right as before get a new account and your salary paid into it, you then have control of your money, that is a start as I see it, then they cannot offset towards overdraft with your salary, you then decide amount to pay towards overdraft ? (Barclays cannot set off your salary as it would not be in Barclays account),!?

This is the new thread for the Barclaycard that's still with Barclays: http://www.legalbeagles.info/forums/...st-need-advice

If CCA is with connaught collections and they are in default of a CCA request then it is up to you if you do not pay them, and people will say "No CCA no pay", but try and keep one thread for Bank account and a seperate one for Credit card.

Hope we are in the right area of interpretation now!

I would...

All clear now! :thumb:

[Smilesallround]

Re: Connaught Collections CCA request problem

Many thanks guys