barclaycard

**Curlyben** · 26th February 2009, 21:09:PM

Re: barclaycard

Don't panic mate, this is standard BCW fair.
Could you give us some more details, like credit limit, when you defaulted/opened account, etc.

**Paule** · 26th February 2009, 21:44:PM

Re: barclaycard

Thread moved to Debt Forum

PKea

**renaltmagnummad** · 26th February 2009, 22:00:PM

Re: barclaycard

hi curlyben thanks for your quick response, i have to say my cases wont be straight foward but will do my best to tell you and give you as much information as i can i hope you have a lot of patience because some of my problems are because i have burried my head but with good reason. The problem with Barclaycard is that I took out payment protection which we claimed on when I had my heart attack in Aug 2002, the insurance made payments but on some occasions they were later than the instalment date, so Barclaycard added charges to my account. When this came to light at the end of the period I wrote to Barclaycard and asked them the sort it out, no reply was forthcoming, 17 months later we started getting demanding letters again for the outstanding amount which I think is down to the insurance company making late payments and not for us to pay. We also have other companies that want money and will let you know the details when we have have sorted through our paperwork.

**Curlyben** · 26th February 2009, 22:27:PM

Re: barclaycard

Cheers PK

Now Ren, don't worry about complex, been there doing that, printing the T-shirt.
Sorry to hear about your health issues, hope they are under control.

So basically this card should of been accounted for with PPI, but as it was such a worth while product it didn't cover everything.
Now they have farmed out the remaining debt to some old "friends" of mine.

About right so far ??

Have you had any contact from Lowells, or even other letters from BCW ?

Just out of interest when did you last make a payment on this account.

**renaltmagnummad** · 27th February 2009, 10:40:AM

Re: barclaycard

hi curlyben well here we go, 1st, yes we have had letters from lowells and others, 2nd, las payment made by barclays, dublin which covered the period from 07/04/06-06/05/06 £201.40 this was the final payment under the PPI. We will now list correspondence as we have received it,
20/12/05 from barclaycard, aknowledge claim and writing to doctor.
the only credit card statement I have in my possesion is dated 21/12/2005, credit limit £2,000 previous balance £2,684.01 payments none, £101.52 new transactions which breaks down as exceeded limit £24.00, PPI £21.83, Interest on balance 2.075%, £55.69, the min payment was £845.00. Also on statement is a note "Mr xxxxxx account seriously overdue you card has been withdrawn, you must pay £785.73 immediately, followed by £59.47 to reach us by 23/01/2006. Mercers DCA is now dealing with your account and if you are unable to manage the above terms please call immediately on 08700101633.
Insurance letter 23/01/06, paid 28/05/05-07/12/2005 £1409.80, 27/03/06, payment 0/12/05-07/03/06 £604.20, 12/04/06, payment 08/03/06-04-06 £201.40, 31/05/06, payment 07/04/06-06-05-06, £201.40 final payment.
31/05/06 letter advising maximum payments for 12 months, no further payment due.
Letters received from05/01/06 to present:
Risk Management Alternatives 05/01/2006, formal demand £2785.53
17/01/06 RMA, final warning
02/08/06 RMA, offering settlement of debt of £424.93
29/09/06 Moorcroft Debt Recovery, confirming instruction to collect debt of 424.93, it is a legal requirement to send a notice of intended litigation before legalproceeding in the county court are issued
08/11/06 Moorcroft, i write in response to your recent dispute, in relation to the above account and can confirm that we have been in contact with Barclaycard who have advised us that the insurance was paid for 12 months total £2415.00 however the outstanding balance of 424.93 is correct and due for payment as the insurance did not cover the wholebalance.
16/11/06 Moorcroft, notice of intending litigation 424.93 plus costs new total 539.93.
23/11/06 We wrote a letter to Moorcroft, quering the totals
08/12/06, Moorcroft, wrote to say we had not contacted them, but we had wrote to them on the 23/11/06
22/12/06 Midas Legal Services, litigation warning asking us contact Moorcroft
02/01/2007 Moorcroft, confirming that we had made no payment and the file had been passed to their home collections dept.
In this letter Moorcroft say their client is able to offer a 30% discournt from the outstanding balance which would be £297.45 to pay
19/05/08 Lowell, informing us that the account had been sold to Lowell on 30/04/08
19/05/08 Barclaycard, giving notice of the assignment of the debt to Lowell
25/08/08 Lowell Finance, confirming they had been instructed from Lowell Portfolio
09/06/08 Lowell Finance, as we had not made an offer of payment, unless we did not contact them in 5 days and agent may make a visit
30/06/08 Lowell Finance, giving 7 days to instruct legal dept
11/07/08 Lowell Finance, saying the account was with the prelitigation dept
22/07/08 Hamptons Legal, Re Lowell Portfolio 1, advising legal proceeding if unpaid
04/08/08 Hamptons, confirming they would get a copy of our file from Experian if you are an home owner, get court to issue charging order
13/08/08 Hamptons, they may issue legal proceedings for debt plus costs
02/09/08 Red DCS, re their client Barclaycard, we have been instructed by their client Lowell Portfolio (which is their client), in this letter they threaten Bankruptcy
18/09/08 Red, stating our client Barclaycard, with no mention of Lowell, they intend to advise their client to issue claim in county court
02/10/08 Red, does not state their client as Barclaycard, states original creditor as Barclaycard, refered account to Cleint for legal action
23/10/08 Lowell Portfolio 1, please take note, giving us payment option, full payment, 3 equal payment in final settlement, repayment plan by DD until debt is cleared
24/2/09 Start again with formal demand from BCW ( your friends)
Just some bed time reading for you !!!!!!!

**Curlyben** · 27th February 2009, 10:54:AM

Re: barclaycard

Round the houses a bit there then.
Very reminiscent of my own dealings with B'card.

Honestly, I'd file it under Ignore.
You have nowt to really say to them as this is simply more Bovine from their Threat-O-Matic and should be dealt with accordingly.

I see you have had a full set of cobblers from my friends in Leeds as well.
RED and Hamptons are all part of Lowells

Hamptons pretend to be solicitors with their letters, but as ever are toothless wonders.

Well IF court action was going to take place you would of thought it would of happened by now ?!

Also RED's threat of Bankruptcy is total carp as there is a minimum of £750 and as this is way below that they are royally stuffed.

So all in all, ignore them, but keep us updated if they change their collective tunes.
IF this goes back to Lowell we'll slap them, but for now there's nowt really to do.

**WendyB** · 27th February 2009, 11:17:AM

Re: barclaycard

Have you any idea how much the charges (late payment, overlimit etc) were in total, not just since the PPI kicked in? If so, what amount were there before you claimed on the PPI?

**renaltmagnummad** · 27th February 2009, 11:44:AM

Re: barclaycard

hi thanks for the response wendy i think i would have to ask for cca,sar to find out all the charges etc should i or not i am not sure
------------------------------- merged -------------------------------
thanks again curly but is there any way to claim the charges back from the oc and if so how sorry it was long winded but just wanted you to have the info i had wife said you probably knew the tactics

**Curlyben** · 27th February 2009, 11:49:AM

Re: barclaycard

Wendy and I where just thinking about that exact thing.

At the end of the day, unless the charges are SIGNIFICANTLY MORE than the outstanding balance there is little point in even considering a reclaim.

In my own case the charges where £20 more than the balance.
I offered a compromise to B'card, but they acted stupid and passed it around DCAland.
So IF I filed in court there would be nothing worth fighting for.

Yes, if this is passed back to Lowell or B'card then we'll think about a CCA, but till then I'd simply ignore these baseless threats.
After all if there was going to be any court action it would of happened by now !!

Ps I have personally dealt with over 30 different DCA's including 5 sets of "Solicitors" and I'm still here to talk about it

**renaltmagnummad** · 27th February 2009, 12:04:PM

Re: barclaycard

.for that will sit tight on that for now, now for the next mbna this is another saga will try to just answer the questins you pose rather than be long winded cheers

**Curlyben** · 27th February 2009, 12:05:PM

Re: barclaycard

The breakdown was great and very helpful, thanks.

**renaltmagnummad** · 27th February 2009, 12:12:PM

Re: barclaycard

hi curly just a quick question can anything be done where the ccc have gained county court judgements against me

**Curlyben** · 27th February 2009, 12:13:PM

Re: barclaycard

Maybe, really depends on the age of the judgement(s).
Honestly the most straightforward route is to reclaim all the charges applied to the accounts.

**renaltmagnummad** · 27th February 2009, 16:06:PM

Re: barclaycard

hi curly to reclaim charges on accounts that ccc have c.j. me iwould need to go down the route cca/sar i am correct inthinking this way

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