Barclaycard Goldfish

[Fleabite]

Hi there

After struggling with my Barclaycard Goldfish repayments (legacy of messy divorce), but always being able to make at least the minimum amounts despite Barclaycard Goldfish (BG) hiking up the interest rate to astronomical levels, I am now in the position where I am unable to meet even the minimum.

This is due to the usual - illness, coupled with redundancy and family problems.

My first token payment was in September (of about £60 compared to the required £221). I used the explanation letter template from National Debtline, along with my personal budget sheet, detailing the amounts (pro rata) which I could afford to pay to each creditor.

However, BG’s only response has been to bombard me with calls (which I do not answer), write letters demanding payment and still add interest.

I was prepared to be co-operative by making the best payment I could because of my circumstances. However, they don’t want to know, so I thought ‘sod them’ and go down the CCA route.

I have had the card for many years when it was originally just Goldfish. I sent Niddy’s letter on 8 November (which is showing by the Post Office today as ‘being progressed through our network for delivery’). Do you think they are now deliberately rejecting recorded delivery letters? I was thinking of sending another one just by ordinary mail, but getting a proof of posting. My thoughts were that they could deny that one letter didn’t reach them, but two?

Anyway, in the meantime I have had a letter from Mercers on 12 November saying that the debt had been passed on to them, asking for payment of arrears etc.

Could you please advise how I should respond to them? As they have now taken over the debt do I send them the CCA request or tell them that I have made it already to BG?

Thanks very much for any help.

FB

[Pixie]

Re: Barclaycard Goldfish

Hi and welcome FB.

Barclaycard are a pain in the bum for bombarding with phone calls, I was getting up to 20 a day at one point!

They have 12+2 days to respond to your cca request and it took Barclaycard over a week to send me my 'cca' so I wouldn't be sending another letter just yet. I've had responses from lenders when the Royal Mail tracking was still saying 'being processed'. While all cases are different and you can't make comparisons, have a look at some of the UE diaries to gain an insight into the process. It's easy to be impatient at the start of the process but, as a lot of us have come to realise, there's not usually any need to rush.

With regards to Mercers, they are still part of Barclays and, coincidentally, I had a letter from them just after I had sent the cca request.

When you're here come and say Hi on the newbies chat thread --> viewtopic.php?f=74&t=669 or general chat thread. We're a very friendly bunch!

[Locke]

Re: Barclaycard Goldfish

I'm about 6 months in with Barclaycard for a Goldfish account and it's just been passed on to the 3rd DCA.

My phone took a battering so I bought a device to block them out, if you don't mind changing your number then that would be an easier option, Barclaycard have an automated telephone centre so they ring you so many times everyday and it isn't until someone picks up that they will connect you with one of their telephone monkeys, it's why sometimes you pick up and there isn't anyone on the other end.

Just follow NID's advice and you will get through it, they like to shout the loudest but so far they've had little to back it up.

[Fleabite]

Re: Barclaycard Goldfish

Hi Pixiechick and Locke

Thank you for your replies.

Yes, I will do as you say.

Luckily, Barclaycard don't have my landline number, only my mobile, so I can see who is calling me and ignore them.

Thanks again

FB

[5corpio]

Re: Barclaycard Goldfish

Hi Fleabite

there is a Law for 'Silent Callers' ie; this would also include where they Automate call your phone, till you answer it sits silent before it kicks in at there end this is still silent call as you are not talking to anyone (frequent calls, if you know who they are and keeps record of the number called)....

where you can register the callers number (and its FREE), Don't know if this works on mobile phones though.... Silent Call is a FREE Registry 12 mths then you re-register the your number again (Don't know if it works on Mobiles though)

http://www.ukdatait.co.uk/cgi-bin/sgAddNumber.cgi

The Telephone Preference Service (TPS) is a free service. It is the official central opt out register on which you can record your preference not to receive unsolicited sales or marketing calls
TPS: http://www.mpsonline.org.uk/tps/

Hope this is of any help,

[Pixie]

Re: Barclaycard Goldfish

Hi 5corpio

Thanks for the info re: these services. I didn't know about the silent call one, going to check that out now.

I'm registered with TPS and it works brilliantly with unsolicited calls eg for double glazing but doesn't stop calls from lenders/dcas.

[Never-In-Doubt]

Re: Barclaycard Goldfish

Hi there

After struggling with my Barclaycard Goldfish repayments (legacy of messy divorce), but always being able to make at least the minimum amounts despite Barclaycard Goldfish (BG) hiking up the interest rate to astronomical levels, I am now in the position where I am unable to meet even the minimum.

This is due to the usual - illness, coupled with redundancy and family problems.

My first token payment was in September (of about £60 compared to the required £221). I used the explanation letter template from National Debtline, along with my personal budget sheet, detailing the amounts (pro rata) which I could afford to pay to each creditor.

However, BG’s only response has been to bombard me with calls (which I do not answer), write letters demanding payment and still add interest.

I was prepared to be co-operative by making the best payment I could because of my circumstances. However, they don’t want to know, so I thought ‘sod them’ and go down the CCA route.

I have had the card for many years when it was originally just Goldfish. I sent Niddy’s letter on 8 November (which is showing by the Post Office today as ‘being progressed through our network for delivery’). Do you think they are now deliberately rejecting recorded delivery letters? I was thinking of sending another one just by ordinary mail, but getting a proof of posting. My thoughts were that they could deny that one letter didn’t reach them, but two?

Anyway, in the meantime I have had a letter from Mercers on 12 November saying that the debt had been passed on to them, asking for payment of arrears etc.

Could you please advise how I should respond to them? As they have now taken over the debt do I send them the CCA request or tell them that I have made it already to BG?

Thanks very much for any help.

FB

Hiya

Regards to Goldfish - ignore this for the time being, you need to give them time to respond...... so no action necessary right now.

Regards to Mercers, send this: ---> viewtopic.php?p=20203#p20203

[Fleabite]

Re: Barclaycard Goldfish

Hi Niddy et al

Niddy, I held off sending the Mercers letter until the CCA time was up. Needless to say that have not sent anything nor, according to the post office (as at today), have accepted delivery of my letter.

However, I today received a letter from Mercers saying that they were in receipt of my letter to Barclaycard (from several weeks ago) regarding my financial statement and repayment offer. They want me to call to dicuss things or a local debt collection may call upon me.

However, now that Barclaycard have defaulted me I would like to go down the unenforceable route. I am going to send the 2nd letter to Barclaycard, but what should I do about Mercers. Should I just ignore their letter today and send the template Niddy sent me about the account being in dispute or should I also send a response to their letter of today? :confusing

Thanks
FB

[Never-In-Doubt]

Re: Barclaycard Goldfish

Hi Niddy et al

Niddy, I held off sending the Mercers letter until the CCA time was up. Needless to say that have not sent anything nor, according to the post office (as at today), have accepted delivery of my letter.

However, I today received a letter from Mercers saying that they were in receipt of my letter to Barclaycard (from several weeks ago) regarding my financial statement and repayment offer. They want me to call to dicuss things or a local debt collection may call upon me.

However, now that Barclaycard have defaulted me I would like to go down the unenforceable route. I am going to send the 2nd letter to Barclaycard, but what should I do about Mercers. Should I just ignore their letter today and send the template Niddy sent me about the account being in dispute or should I also send a response to their letter of today? :confusing

Thanks
FB

Hiya what second letter are you thinking of sending barclays? Who actually owns the debt, is it Barclays or is it Mercers? If you have sent a CCA Request to EITHER of them and they've not responded then it is unenforceable and stays that way until they do furnish you with the paperwork.

Please don't jump the gun or rush things, just ask away on here and we'll get back to you!

Barclays - Ignore.
Mercers - Send this: ---> viewtopic.php?p=182#p182

[Fleabite]

Re: Barclaycard Goldfish

Hi Niddy

Thanks for your reply. I have only sent one CCA request and that was to Barclays but have had no response. I was going to send your CCA reminder letter to them, but should I now, as per your message, not correspond with Barclays now that it has gone to Mercers?

The letter from Mercers said they were acting as agents for Barclaycard so does that mean they now own the debt or not?

Thank you for your help.

FB

[Never-In-Doubt]

Re: Barclaycard Goldfish

Hiya

Send the letter as advised, to Mercers, and ignore Barclays for the moment.

[Fleabite]

Re: Barclaycard Goldfish

Hi everyone
Some advice would be appreciated!

Just an update:
Type of account: Goldfish Barclaycard
Date Comnenced: Many years ago when was just Goldfish
Approx Balance: £11,600 at start now £12,600 after interest and charges
Date last Paid: August 2010
Arrangement: Not pay
Status: Default
Owner: Now Credit Solutions (see below)

History:
CCA request 8/11/10 no reply
Letter from Mercers Nov 2010 - sent response as per Niddy's link above on 3/12/10
Letter from Calders 11/2/11 - sent same letter 18/2/11
Letter from Credit Solutions 28/4/11- sent same letter 3/5/11

However, I have today received a letter from Power2Contact telling me they have been instructed to make a home visit and giving me the times they may come but no date. They are based at the same address as Credit Solutions Ltd. I have 72 hours to respond to Credit Solutions - their 'instructing agents.'

I have done a bit of research and they seem to be very aggressive and some people have had visits so I would like to respond as forceably as possible as I don't want them to even attempt a call. Obviously, I need to send one of the Threat of Home Visit letters, but I am not sure which is best.

Thanks for any help.
FB

[swanfan]

Re: Barclaycard Goldfish

I'd be inclined to send this to them--> Harassment & Threat of Doorstep-Visit Template ASAP.

[Never-In-Doubt]

Re: Barclaycard Goldfish

I'd be inclined to send this to them--> Harassment & Threat of Doorstep-Visit Template ASAP.

I agree, send that asap.

[Locke]

Re: Barclaycard Goldfish

Hi Fleabite, did you ever get a response to your CCA request?

If so can you tell me how many sets of terms and conditions they sent you?

The reason I ask is for my other Barclaycard CCA requests they sent 2 sets of terms and conditions which were from when I opened the account and what the account has now, yet for the Goldfish account they only sent me the present day terms and conditions and later admitted they didn't have them from when I opened the account as they didn't own the account when it was opened.