barlays sold my acounts to barclays

[gillwall]

I have three credit cards with barclays or should i say i thought i had, I have one my ppi and unfair charges on all three cards, aprox 3500 in totell. I contacted barclays today for information regarding refunds, after being passed from one department to another was evantualy told the accounts had been sold to Cabot financial. I was transfered to cabot and was told, yes we have obtained a ccj against these accounts in 2010, I then put 2 and 2 together and realised this is where i had all the problems in them trying to obtain a charging order on my property and failked. I feel really stupid
Can barclays do this without informing me and what has happened to my ppi refund and charges.
Sorry its so long winded
Many thanks
gillwall

[di30]

Re: barlays sold my acounts to barclays

Hi there

I'm sure someone in the know of this will post up soon, but my feeling is that the refund have been made towards the account, even though the debt has been passed on, I would contact them and ask them to clarify on this, but would do so in either writing or emailing them.

[shamen]

Re: barlays sold my acounts to barclays

Barclays should have told you the account was sold, you should have received a notice of assignment.

Were you awarded your PPI refund? It may be that, as the lovely Di points out, they just refunded the account and then passed on the account to Cabot when it was sold. Meaning there is still an outstanding balance, but its less than what it was before the PPI refund.

If you did not get the PPI refund, then AFAIK the responsibility is on Barclays to deliver that to you - but hopefully someone more knowledgeable on the subject can enlighten us if you need to chase Cabot for that (I would suspect not)

[Paul210]

Re: barlays sold my acounts to barclays

It is likely that Barclaycard will have awarded your redress to Cabot, if so under FSA rules they still have to give you a copy of the final response so you should have seen something. If they havent yet issue the final response then its likely this is what it will say.

[Gorang]

Re: barlays sold my acounts to barclays

You could try sending a DSAR to Cabot and see what comes back as they should have copies of the default notice, ccj and the assignment notice, that all should of been sent to you. Also check with the credit refference agencies and see if all the correct timescales tie in with each other

[gillwall]

Re: barlays sold my acounts to barclays

Thank you all for helpful advice and info, i am going to get a copy of my credit file online from equafax, will keep u updated.
onece again thankyou
gillwal

[Gorang]

Re: barlays sold my acounts to barclays

i am going to get a copy of my credit file online from equafax,

I would also go the whole hog and get reports from Call Credit and Experian as the companies only tend to use one of the three and you probally have no way of knowing which one they will use
I always think it is a cheap £2 a pop and you can then see the full picture from all your creditors and the companies that have done a search on you for the last 6 yrs from having all three.

[gillwall]

Re: barlays sold my acounts to barclays

thanks good advice
------------------------------- merged -------------------------------
can you tell what the timescales are please
thanks

[gillwall]

Re: barlays sold my acounts to barclays

Ok here goes

Ihave a copy of my credit file with detail of caots dealings, hope some one can make sense of it

Credit card from Cabot account no 1
Terms 0 @ £ 0 monthly
currant balnce £596
start date 24/042003
default date 31/05/2007
status defaulted
start balance £0
default/delinquent balance £2764.
date updated 10/07/2011

Credit card from Cabot financial uk account no 2
Terms 0 @ £ 0 monthly
currant balnce £1950
start date 26/11/2001
default date 02/10/2008
status defaulted
start balance £0
default/delinquent balance £4,160
date updated 10/07/2011

Credit card from Cabot account no 3

Terms 0 @ £ 0 monthly
currant balnce £1145
start date 27/05/2004
default date 30/05/2004
status defaulted
start balance £0
default/delinquent balance £957
date updated 10/07/2011

Credit card from Cabot account no 4

Terms 0 @ £ 0 monthly
currant balnce £198
start date 19/02/2008
default date 05/12/2008
status defaulted
start balance £0
default/delinquent balance £166
date updated 10/07/2011


CCJ

Court Northampton
court date 07/04/2010
type county court judgment england,wales and northern ireland.
Amount £7252.

since obtaining the the court order i have made agreed monthly payments.

Thans
gillwall

[shamen]

Re: barlays sold my acounts to barclays

Re: account #3

Have you paid any money towards that account (or acknowledged the account is yours) since the date it was defaulted? If the answer is no, then this debt is statute barred and they cannot make you pay, even via court (assuming its not rolled up into that CCJ?)

I would do as others have suggested and get the SAR sent off to cabot to find out about the PPI. You can then also check all of the default dates match corretly.

[gillwall]

Re: barlays sold my acounts to barclays

Hi
yes all the accounts are rolled into the ccj, sorry account number 3 should have read 2007, not 2004, just wondered can cabot have 4 defaults as well as a ccj registered against me for the same accounts. Also on my credit file cabot have not listed my monthly agreed payments.
Thank you
gillwall

[Gorang]

Re: barlays sold my acounts to barclays

can you tell what the timescales are please
thanks

When the original creditor issues a default notice it is to give you 30 days to rectify the account before they default you.
(I think its 30 days, I'm a bit rusty on the amount of days but someone will maybe correct me if I'm wrong with any of this)
A lot of them were defaulting peeps BEFORE they were sending out the notices, a big no no
Also once defaulted when they sell the debt it has to be assigned over and you need to get notified of this to when it happens
So
After you receive everything back from the DSAR its time to compare the dates that are on your credit file and also to check to see if they have all stuck to the proper timescales with the notices etc. that they are supposed to. If they havn't then this will go very much in your favour

I have just read back the whole thread and from what you have said so far I pesonally would get a DSAR (you will find one in the site library) posted to Cabot on Monday to find out what they have on you as they are well known for underhand tactics.

Remember to post the DSAR by Special Delivery Garenteed Delivery by 13.00hrs By Next Working Day so you can track it and also get a proof of signature that signs for it. I think it costs £5.20 now for a letter to be sent this way, but it is £5.20 well spent if you need to prove to anyone ie. court FOS FSA etc. you sent and they received the DSAR.

Also I would advise you to, DO NOT talk to them about this on the phone again, keep everything in writing so you have proof of what has been said, if they phone you then just politly tell them, you will only communicate in writing regarding this matter then hang up the phone.

Hope this helps for now

[Gorang]

Re: barlays sold my acounts to barclays

just wondered can cabot have 4 defaults as well as a ccj registered against me for the same accounts.

Short answer is yes

They need one and only one default registered on each account before they can obtain a CCJ

Also on my credit file cabot have not listed my monthly agreed payments.

To be honest I'm not sure if they need to. Maybe somone wiser than me could poss answer that

[gillwall]

Re: barlays sold my acounts to barclays

Hi Gorang

The ccj is for the 4 accounts i have listed, and yes i have made regular payments to all for accounts,
I will request a DSAR, in the post monday.
once again thank you
gillwall

[gillwall]

Re: barlays sold my acounts to barclays

Contacted Cabot today asking how long they have had my Barclaycard account for, I didnt give any information as to why i wanted to know, after a few minutes i was informed that they purchased the accounts in March 2008.
does this shed a new light on things?
gillwall