Barclaycard not chasing me??

[SaltnVinegar]

Re: Barclaycard not chasing me??

Thanks SnV

Without wishing to downplay anything I thought it just a scare tactic

It is the usual 'scare tactics' language that is used. They are using 'legalese' to misrepresent the legal position (i.e. Keynes will litigation consideration, but not actually pursue litigation).

Chances are you will then get letters from them stating that they will 'consider recommending litigation' to their clients.

the debt is unsecured so surely they can't attach it my home ( I might be wrong)

I'm afraid you are wrong. If they make a claim, and if it successful, then they can apply for a charging order on your home, effectively securing the debt.

This is a looong way off yet (if it were to happen), so lets just wait and see what Keynes send you.

Best
SnV

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 help

[Deepie]

Re: Barclaycard not chasing me??

Hope you don't mind SnV......... I've sorted that quote out on the above post ^^^^^^^

[SaltnVinegar]

Re: Barclaycard not chasing me??

Hope you don't mind SnV......... I've sorted that quote out on the above post ^^^^^^^

Oooh missed a /quote somewhere thanks!

[SaltnVinegar]

Re: Barclaycard not chasing me??

And if you're in any doubt your letter isn't just another template letter have a look here.........

http://forums.all-about-debt.co.uk/s...l=1#post353842

[vint1954]

Re: Barclaycard not chasing me??

I would pm niddy to see if he can help with the F&F offer

[LippyKid]

Re: Barclaycard not chasing me??

Update on this:- Niddy has been a great help with this, he's advised me to start a diary re this whole situ which I will do but just wanted to ask for a little more advice because of a letter I received today.

State of play is despite sending a F&F letter twice they have rejected my offer and because in the template it states offering £1 a month in a context that "you don't really want that so accept my offer" they lept on this and decided to settle for £1 a month, they also included an income vs expenditure form and will review this amount in 3 months plus a DD start date of 28/2/14. I've never agreed to this and as I only received the letter today obviously the date has passed by. So my question is what is my next move?

When I start a diary I will include any advice helpful to the issue here.

Many Thanks

[LippyKid]

Re: Barclaycard not chasing me??

Presumably nobody can help further here ok fair do's but regards to starting a diary where is the best place to do so? As I noticed the diaries all come under UE which I have established is not the case on this one, but the DCA is doing my head in and I need to get something written down.
Aplogies if I have missed something.

[IF]

Re: Barclaycard not chasing me??

Hiya LK, I'm so sorry we've missed your post, I will flag up to see if someone can advise you further

IF

[LippyKid]

Re: Barclaycard not chasing me??

No probs IF many thanks

[Never-In-Doubt]

Re: Barclaycard not chasing me??

Update on this:- Niddy has been a great help with this, he's advised me to start a diary re this whole situ which I will do but just wanted to ask for a little more advice because of a letter I received today.

State of play is despite sending a F&F letter twice they have rejected my offer and because in the template it states offering £1 a month in a context that "you don't really want that so accept my offer" they lept on this and decided to settle for £1 a month, they also included an income vs expenditure form and will review this amount in 3 months plus a DD start date of 28/2/14. I've never agreed to this and as I only received the letter today obviously the date has passed by. So my question is what is my next move?

When I start a diary I will include any advice helpful to the issue here.

Many Thanks

I'll sort you a reply tmw - please mail me the latest letter they sent you. Not the I&E mind you.

Also, please clarify;

1. Date last paid
2. Amount owed
3. Last offer amount
4. Maximum offer available
5. Have you done a CCA Request

Thanks.

[LippyKid]

Re: Barclaycard not chasing me??

Cheers Niddy

Will email the letter over in a mo,

1. Just looking up up the last date paid absolutely ages ago hopefully should find it by the time I mail you.
2. £3961.50
3. £1000
4. £1200 poss £1300 max
5. CCA done long ago, took an age for them to produce docs but when they did you verified as enforceable.

Cheers Niddy, I'll get the email over just now.

[Never-In-Doubt]

Re: Barclaycard not chasing me??

Please also email the cca response - I'll recheck it

[Never-In-Doubt]

Re: Barclaycard not chasing me??

No emails mate.

webmaster@all-about-debt.co.uk

[LippyKid]

Re: Barclaycard not chasing me??

Thanks Niddy, resending now.

[Never-In-Doubt]

Re: Barclaycard not chasing me??

Cheers mate I think I have the emails again, as it just replied......

Obviously ignore my reply asking for your username.... I've got a lot going on and had 20 something emails before 9am so was a bit head mashed.