Barclays Advance Account

[Enforcer]

Re: Barclays Advance Account

Now been passed to PRA Group. Phoned at home on a Bank Holiday, told them account in dispute, please write to me with contact details, still waiting for compliant reply to S78 request. They have written to me, letter dated today! Told operative that as soon as I receive their letter, I will send copies of correspondence between myself and Barclays and BCW group. Account on hold until they contact Barclays for copy of agreement!

[Never-In-Doubt]

Re: Barclays Advance Account

Excellent

[Enforcer]

Re: Barclays Advance Account

Letter today, BCW act in good faith, they were not aware of dispute with Barclays, referred the issues raised back to client for consideration. Client is aware of concerns and investigating. On hold. Long may it continue!

[Enforcer]

Re: Barclays Advance Account

Another letter from BCW exactly the same as previous. Still looking!

[Enforcer]

Re: Barclays Advance Account

Letter from Buchanan Clark & Wells 16th Jan.
Thank you for your recent letter, we appreciate that you have taken the time to contact us.

At this stage we are unable to provide you with an immediate response as we need time to investigate the matter, however, we have placed the account on hold to ensure you receive no further contact until we feel we have conclude the matter for you.

We aim to send you a final response within four weeks, however if this is not possible we will write to you to let you know when you can expect a final response.

[Enforcer]

Re: Barclays Advance Account

They did contact me, I spoke to them and referred them to the letter that I had sent to them once advised that they had this account. I pointed out that this "agreement" is unenforceable on 3 seperate issues.
Today received letter.

Here at Buchanan Clark and Wells we are committed to providing the best solution for all our customers. With this in mind, I am able to offer you an opportunity to clear the outstanding balance at a discounted rate of 40%, requiring you to pay £1,493.45 in full and settlement of your account. Blah Blah.

Does not say full And final!
Not paying anything!

Must be desperate. UNENFORCEABLE and staying that way.

Will write back to them later in the week.

[Enforcer]

Re: Barclays Advance Account

Letter from Barclays received today.

Dear Enforcer,
The responsibility for collecting the debt owing on your account has now been transferred to:

BCW 24 George Square Glasgow G2 1EG

You should contact BCW as a matter of urgency on: 0844 472 3950 Email: general@bcwgroup.com

We will no longer accept any further communication from you. It is essential that in all communication you quote the Barclays or BCW reference number.

YOU MUST NOW MAKE FULL PAYMENT OF THE OUTSTANDING BALANCE TO BCW QUOTING THE REFERENCE NUMBER SHOWN ABOVE.

Unusual this, Barclays passing to Buchanon Clarke & Wells. Doesn't say whether they have sold it or not.

Will wait until they contact me.

[Enforcer]

Re: Barclays Advance Account

Letter headed FINAL NOTICE.
Despite numerous attempts to agree a suitable arrangement with you regards to the above debt, we have been unsuccessful in agreeing a suitable repayment solution. As previously advised, we are preparing to send details of your outstanding account to an external Debt Collection Agency. Before doing so, we would like to offer you the opportunity to agree a reduced lump sum for early settlement to clear your debt.

To take advantage of this you must contact us within 48 hours of receipt of this letter.

In order to prevent the possibility of your account being passed to an external Debt Collection Agency without further reference to you, you must respond to this letter within the timescale indicated above.

Sorry, don't think so!

[Enforcer]

Re: Barclays Advance Account

That could be fun. Marlin have us Lloyds account, mkdp have us barclaycard.used to dealing with them.

[PlanB]

Re: Barclays Advance Account

You'll play some more letter tennis with various external DCAs, then my guess is Barclaycard will sell you to Marlin or MKDP where the whole cycle will start again.

[Enforcer]

Re: Barclays Advance Account

Letter from Barclays Recoveries. DO NOT IGNORE THIS LETTER We have attempted to contact you previously to advise what will happen if your account remains unpaid.
As we have still not received payment of the outstanding balance of your account, we are taking steps to place your debt in the hands of an external Debt Collection Agency.

They have still not provided a compliant CCA nor have they replied to my dispute of incorrect interest charges. Will wait for new DCA and respond with SWID.

[MrsD]

Re: Barclays Advance Account

absolutely not.

they are useless in cases like this.

so you gained £100 and it looks like they have nothing in the way of paperwork

don't phone them Enforcer, everything in writing, everything in writing.

sometimes this is all you get and then it's the long haul to SB, no correspondence is better than a pile of stuff from Northampton

I think they may punt this now and then we'll deal

meanwhile I would try to stick to Niddy's well worn path, it works

if you feel you need to send something, I would send this http://www.all-about-debt.co.uk/inde...o-cca-received don't footer with it other than dates and names. it's a really effective tool.

[Enforcer]

Re: Barclays Advance Account

Now I move to the letter dated 23rd July which I have just received a copy of. About your complaint. Our Final response. Load of bullshit! Absolute rubbish. But.
Our proposed course of action.
We recognise you have been inconvenienced due to the delay in responding to your complaint. We would like to compensate you with £100.00. This will appear on your statement as "With our Apologies".
I did see this on my statement and wondered what it was. Assumed it was a mistaken payment that would be reversed.
Niddy has seen what they sent as a reconstituted agreement, totally UE. They thank me for my application that has been accepted. I have simply asked them for a copy of my application, nothing forthcoming.

Thanks for the £100.00 Barclays. Still awaiting a compliant CCA.

They say I can go to the Ombudsman. Anyone think that I should bother?

[Enforcer]

Re: Barclays Advance Account

Had a phone call on Monday from Barclays collections. Very pleasant young lady, explained that they had not complied with cca request, sent text message 27th July but no letter etc. She said that her system told her that the last letter dated 5th Sept confirmed response. Gave me a phone number. Called and asked for copy letters. Today received copies. Never received originals. %th Sept. About your complaint. Your request for further investigation.
We're sorry that you're not happy with our final decision about your complaint. However, because no new information has come to light, there isn't any further investigation we an do that would bring us to a different conclusion. This means that the answers we gave you in our final response letter still stand. We have enclosed a copy of the Final Response Letter sent to you on 22 July 2014.
I never received the Final Response Letter, and cannot understand this response, how have I queried a letter that I never received?

[Enforcer]

Re: Barclays Advance Account

Ok statement again today, as I said spent ages on phone, then Barclays agreed to a payment of £43.13 by debit card to clear the overdraft. Another letter today. 26th Sept. Money in £43.13 Money out £43.13. Still overdrawn by £43.13. WTF is going on with them. I now expect to be charged for being overdrawn! Need to sort them out.