Egg, Lowells, Barclaycard help..

[sam]

Re: Egg, Lowells, Barclaycard help..

No Niddy :-(

[di30]

Re: Egg, Lowells, Barclaycard help..

Hiya

Thanks for posting this up.

I'm sure Niddy will be along soon in due course to advise on the best action from here.

Good luck

[sam]

Re: Egg, Lowells, Barclaycard help..

Just write back and say;

My offer of £200 is realistic however the alternative will be £1 monthly payments. As you seem insistent upon repayment of this totally disputed debt I'll start the necessary actions to reclaim all unlawful charges, so for the time being please await further instruction which will follow by way of my sending a s.7 data access request to the original creditor. They have 40 days to respond so I'll be back in touch as and when I get the statements required to make a formal reclaim.

As you can see; my reclaiming will reduce this debt by half; my subsequent FOS complaint will add another £500 to your total liability meaning you're fighting me over the sake of £300, being I've offered you £200 to close this and walk away. It's not only absurd but also quite ironic being I still classify this as an unenforceable account meaning you'd have to take more formal action to attempt to enforce anything, at which point I'd argue the recent events where I am TRYING to resolve issues here and now in an informal amicable manner.

I look forward to your reply; I hope you reconsider but should you decide not to the process as per the start of my letter will kick in meaning I'll submit a SAR and calculate all unlawful charges and interest.

Yours faithfully.....

Good luck

I resent this letter Niddy as they were pecking my head!!
Got the following reply below.
What now, sit tight?

[sam]

Re: Egg, Lowells, Barclaycard help..

Lol, hell yeah!!!

Just Ignore Niddy or send them the F&F 200 offer again?

[Never-In-Doubt]

Re: Egg, Lowells, Barclaycard help..

just a little high maybe

[sam]

Re: Egg, Lowells, Barclaycard help..

New letter with an offer now but still way off my £200 offer.

[sam]

Re: Egg, Lowells, Barclaycard help..

So they think you've already started some sort of reclaim process - muppets!!

Just ignore them, no offer - sit tight

No problem, as you command

[Never-In-Doubt]

Re: Egg, Lowells, Barclaycard help..

So they think you've already started some sort of reclaim process - muppets!!

Just ignore them, no offer - sit tight

[sam]

Re: Egg, Lowells, Barclaycard help..

Hi all,
It's been a while since Lowells got back to me but today they have, I don't really know what they're on about!!

Letter below: (scanner has broke sorry!)

[Never-In-Doubt]

Re: Egg, Lowells, Barclaycard help..

Not even an offer of another cent by Niddy lol..

I'll get that sent out right away, fingers crossed al..

Thanks again Niddy

Nope, as the £200 offer is more than ample for the debt - thus we started at £200 - point is, as my explanation above; the debt will be halved after we do a reclaim and then with the £500 FOS mediation fee added, it's bonkers and your offer IS ok, to start with.... obviously if they come back with a £300-£500 offer even then it is worth considering, but don't rush into anything.....

[sam]

Re: Egg, Lowells, Barclaycard help..

Just write back and say;

My offer of £200 is realistic however the alternative will be £1 monthly payments. As you seem insistent upon repayment of this totally disputed debt I'll start the necessary actions to reclaim all unlawful charges, so for the time being please await further instruction which will follow by way of my sending a s.7 data access request to the original creditor. They have 40 days to respond so I'll be back in touch as and when I get the statements required to make a formal reclaim.

As you can see; my reclaiming will reduce this debt by half; my subsequent FOS complaint will add another £500 to your total liability meaning you're fighting me over the sake of £300, being I've offered you £200 to close this and walk away. It's not only absurd but also quite ironic being I still classify this as an unenforceable account meaning you'd have to take more formal action to attempt to enforce anything, at which point I'd argue the recent events where I am TRYING to resolve issues here and now in an informal amicable manner.

I look forward to your reply; I hope you reconsider but should you decide not to the process as per the start of my letter will kick in meaning I'll submit a SAR and calculate all unlawful charges and interest.

Yours faithfully.....

Good luck

Not even an offer of another cent by Niddy lol..

I'll get that sent out right away, fingers crossed al..

Thanks again Niddy

[Fribourg]

Re: Egg, Lowells, Barclaycard help..

They do not deserve being helped that way, but maybe they are stupid enough to keep going, but this Niddy final letter should open their eyes, but hey, they are blind, they've already show us, so Happy days, and go for the kill, yihaa

[di30]

Re: Egg, Lowells, Barclaycard help..

Excellent Niddy!

Too damn right too!

Go for it Sam, good luck.

[Never-In-Doubt]

Re: Egg, Lowells, Barclaycard help..

Just write back and say;

My offer of £200 is realistic however the alternative will be £1 monthly payments. As you seem insistent upon repayment of this totally disputed debt I'll start the necessary actions to reclaim all unlawful charges, so for the time being please await further instruction which will follow by way of my sending a s.7 data access request to the original creditor. They have 40 days to respond so I'll be back in touch as and when I get the statements required to make a formal reclaim.

As you can see; my reclaiming will reduce this debt by half; my subsequent FOS complaint will add another £500 to your total liability meaning you're fighting me over the sake of £300, being I've offered you £200 to close this and walk away. It's not only absurd but also quite ironic being I still classify this as an unenforceable account meaning you'd have to take more formal action to attempt to enforce anything, at which point I'd argue the recent events where I am TRYING to resolve issues here and now in an informal amicable manner.

I look forward to your reply; I hope you reconsider but should you decide not to the process as per the start of my letter will kick in meaning I'll submit a SAR and calculate all unlawful charges and interest.

Yours faithfully.....

Good luck

[sam]

Re: Egg, Lowells, Barclaycard help..

That is so disappointing.
You are trying and at least offering something!

Surely though they could take everything into account of your circumstances and its not as if your avoiding paying this.

Hopefully Niddy will come up with something, he usually does. x

I hope so.. Is Niddy about or tied up.