Egg, Lowells, Barclaycard help..

[Never-In-Doubt]

Re: Egg, Lowells, Barclaycard help..

just a little high maybe

[sam]

Re: Egg, Lowells, Barclaycard help..

Lol, hell yeah!!!

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

[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?

[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..

No Niddy :-(

[Never-In-Doubt]

Re: Egg, Lowells, Barclaycard help..

niddy here

[Never-In-Doubt]

Re: Egg, Lowells, Barclaycard help..

Ok time to SAR Egg and find out what they have about you - send this advanced version ---> Our Templates | Unenforceability Templates | Subject Access (SAR) - Advanced Request

[di30]

Re: Egg, Lowells, Barclaycard help..

oops ignore my message Niddy, I missed this, just catching up now.

[sam]

Re: Egg, Lowells, Barclaycard help..

Cheer guys..
All sent now.

[di30]

Re: Egg, Lowells, Barclaycard help..

Cheer guys..
All sent now.

Fingers crossed Sam x

[IF]

Re: Egg, Lowells, Barclaycard help..

Got my fingers crossed too Sam

[sam]

Re: Egg, Lowells, Barclaycard help..

OK here's the reply! They've taken it as I've sent them the SAR!!!!!
The 1st two accounts on the letter, Lowells wrote to me years ago and said I owe no money as info on the account can't be found.

Niddy is this reply to the SAR right??

[Undercover Elsa]

Re: Egg, Lowells, Barclaycard help..

Where did you send the SAR to Sam..Egg or Lowells?

Shep x

[sam]

Re: Egg, Lowells, Barclaycard help..

Lowells
I've screwed up haven't I!! I thought that they would forward it to EGG!!

[Undercover Elsa]

Re: Egg, Lowells, Barclaycard help..

Aww bless you! An easy mistake to make.