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Re: Barclaycard not chasing me??
Of course cameraphone and convert to jpeg..duh thanks Missy
Of course cameraphone and convert to jpeg..duh thanks Missy
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Re: Barclaycard not chasing me??
Mate this is post April 2007 so you cannot utilise UE as the relevant provision was repealed
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If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.ukComment
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Re: Barclaycard not chasing me??
Cheers for all your help NiddyComment
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Re: Barclaycard not chasing me??
Update - As Niddy pointed out that the debt is enforceable but he kindly gave me final option I could try however the DCA came back today with a letter quoting the Carey vs HSBC case where a true copy of the agreement is not required etc etc, anyway point is now if I have to contact them to work out a repayment plan are they likely to play hard ball when it comes to agreeing a monthly repayment figure? as I've had to make them work and used delay tactics.Comment
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Re: Barclaycard not chasing me??
Ignore them for now. Sort a payment plan if and when they get heavy.
Keep us updated but don't do anything yet. Try and save cash to make a F&F offer if and when they get stroppy
I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!
If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.ukComment
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Re: Barclaycard not chasing me??
Cheers Niddy, will do
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Re: Barclaycard not chasing me??
Update - I'm in a position to make F & F with this, I haven't contacted them yet since the last communication, a couple of questions though, firstly I can offer a third of the debt generally is this a non-starter would they want more? next presumably I use a template letter to do it? and finally as I have couple of established payment plans in place already with some other DCAs do I have to declare this when making the offer?
Grateful for any adviceComment
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Re: Barclaycard not chasing me??
Originally posted by LippyKid View Post
hi Lippy,
I would hold your horses mate. Put the money you have in an account where its not going to get touched. If you can top it up each week, month - great.
When (if at all
) they come down heavy then you could look in to a F&F. Generally the longer this is drawn out the better. The more hassle they have/sell it/have to deal with the more likely they are going to sell it off for coppers (in comparison to the original amount) just to get rid of it.
Good luck!
SAWhen Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.
I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: Barclaycard not chasing me??
Ok I'll sit tight for the moment and see how they play it, cheers
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Re: Barclaycard not chasing me??
Update - Received Final Notice today stating they have now refereed this on to another DCA I think? To commence litigation that will increase the amount etc and to contact to avoid this happening, what would you recommend my next move?Comment
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Re: Barclaycard not chasing me??
HiOriginally posted by LippyKid View Post
Can you post the exact wording of the letter (not including identifying comments) as the wording is important."I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."
The consumer is that sleeping giant.!!
I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: Barclaycard not chasing me??
Hi no problem
FINAL NOTICE
As you have not taken up our offer of help, we have no option but for your account to be now referred to Keynes Collections for litigation consideration to resolve this on our behalf.
They may commence litigation against you which will increase the amount payable due to costs incurred. Should the matter proceed they could take charge against your property (if you are a homeowner) or have monies deducted directly from your salary (if you are employed).
It is not too late to resolve this matter, please contact us immediately to allow us to help you avoid this.
Yours Sincerely
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Re: Barclaycard not chasing me??
Looks like standard bovine excrement to me. Unless Keynes are given correct assignment of the debt (which you should be notified of), they cannot commence legal action against you. The claimant currently should be Barclaycard. Its worded to frighten you.Originally posted by LippyKid View Post
I'd wait and see what Keynes Collections write to you with and take it from there.
Best
SnV"I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."
The consumer is that sleeping giant.!!
I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: Barclaycard not chasing me??
Thanks SnV
Without wishing to downplay anything I thought it just a scare tactic, the debt is unsecured so surely they can't attach it my home ( I might be wrong) and I'm self employed so not sure what they can do there either.
Yeah I'll wait to see what Keynes Collections say.
Cheers for your helpComment
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