Florida Jens diary

[Floridajen]

I suggested a SAR but see Di's comment "..My advice is the OP should not send anything to anyone until the full facts are known..."

So we need to understand the full facts with this Barclays connection!! Barclays and your relationship with that Bank needs fleshing out

debt 2 Overdraft 20+ years
debt 3 Barclayloan Plus 2011

Reference debt 6


Getting back to your background comments. Were these other debts with Barclays? In other words a Consolidation of other Barclay Debts?
Such as overdraft(s). Cards debit, existing and prior loans at that time?. I say this because of debt 2 and debt 3 with Barclays
Were Barclays aware that this was a Consolidating Loan?

The question reference PPI extends to these other repaid debts as well by the way!

Still Waving has dealt with Debt 4 (but is debt 5 also part of the back ground with the Consolidation Loan?)

Thanks for your reply.

The big Barclay loan was indeed to consolidate others loans which Barclays somehow seemed to allow us to take out online.
Aas far as we are aware there was no PPI on any of them.

[Floridajen]

Hi

Have you currently stopped paying any/all of these accounts?


With regard to Debt 2 (Barclays overdraft) what was Barclays response to your CCA request? (There is a CCA request template for overdrafts, but leave that for the moment.) I would not be making any further F&F offers for the time being.

Debt 4 MBNA card. I would do nothing for the time being, as the they are in default until such time as they produce the agreement in response to your CCA request. Was that sent by recorded delivery by the way?

Debt 5 Barclaycard - how long ago did PRA send the agreement which Niddy thinks is UE, and have they written again since? I think I would be inclined to await their next communication.


See also Warwick5's earlier comments regarding the various debts.

Other folk will probably be along with more opinions.

Hi thanks for your reply.

I have not paid any since May when I sent CCA's
Barclays overdraft they just said no to my F & F offers.
Barclaycard - PRA sent the agreement back last month and nothing since.

[Roger]

I suggested a SAR but see Di's comment "..My advice is the OP should not send anything to anyone until the full facts are known..."

So we need to understand the full facts with this Barclays connection!! Barclays and your relationship with that Bank needs fleshing out

debt 2 Overdraft 20+ years
debt 3 Barclayloan Plus 2011

Reference debt 6

Hi
NO PPI that we are aware of
background = loan taken out online just to help pay other debts etc took about 10 mins in total if I remember correctly
Nothing mentioning Mercer
Thanks

Getting back to your background comments. Were these other debts with Barclays? In other words a Consolidation of other Barclay Debts?
Such as overdraft(s). Cards debit, existing and prior loans at that time?. I say this because of debt 2 and debt 3 with Barclays
Were Barclays aware that this was a Consolidating Loan?

The question reference PPI extends to these other repaid debts as well by the way!

Still Waving has dealt with Debt 4 (but is debt 5 also part of the back ground with the Consolidation Loan?)

[Still Waving]

Hi

Have you currently stopped paying any/all of these accounts?


With regard to Debt 2 (Barclays overdraft) what was Barclays response to your CCA request? (There is a CCA request template for overdrafts, but leave that for the moment.) I would not be making any further F&F offers for the time being.

Debt 4 MBNA card. I would do nothing for the time being, as the they are in default until such time as they produce the agreement in response to your CCA request. Was that sent by recorded delivery by the way?

Debt 5 Barclaycard - how long ago did PRA send the agreement which Niddy thinks is UE, and have they written again since? I think I would be inclined to await their next communication.


See also Warwick5's earlier comments regarding the various debts.

Other folk will probably be along with more opinions.

[Floridajen]

Any help as to if I should be paying? Thanks

[Warwick65]

Debt 6 last one the biggy

• Type of account (credit card/loan) Barclayloan
• Date commenced (ideally before Apr 2007) Jan 2013
• Approx balance. £18,500
• Date last paid (approximate date you last made a FULL payment) 2013
• Are you on arrangement or not paying. Was paying Stepchange till 2018
• Status (default/in arrears/up-to-date) Default
• Account owner (who is writing to you, a DCA or the lender. DCA. PRA Group

2013
letter received advising DD cancelled
letter received 87 (1)
letter advising proposal from Stepchange
statement received

2014
letter arrears notice
advising receipt of payment from Stepchange
Arrears notice
statement

2015
arrears notice
receipt of payment from stepchange
arrears notice
advising re kept of payment proposal
statement

2016
arrears notice
arrears notice
thanks us for letting them know about Stepchange
letter advising transferring account to PRA
statement
letter from PRA advising purchased account
letter from Barclays advising formal notice of transfer

2017
letter from PRA account summary
letter from PRA 86B

2018
I requested CCA with £1 PO
they sent back PO account on hold
letter enclosing copy statements but stating
they are currently unable to provide a copy of original agreement so cannot satisfy my request. This does not mean that debt has been written off despite being unenforceable!!!!!

Well that's all debts typed out. Thank you if you are still awake. I would just mention that loans except the biggy were all done online, I don't know if this changes things ???
Any help whatsoever would be gratefully received. Xx

This may well be one for Diana Mayhew should you ever get anything close to a letter of claim . As it is £18.5K it would go fast track and there would be cost implications so getting proper legal advice would be very important.

[Floridajen]

Next step a GDPR SAR to Barclays.
Was there any PPI?
What is the background to this Loan?
Does the name Mercer appear in any of your documents?

Hi
NO PPI that we are aware of
background = loan taken out online just to help pay other debts etc took about 10 mins in total if I remember correctly
Nothing mentioning Mercer

Thanks

[Floridajen]

Debt 6 last one the biggy

• Type of account (credit card/loan) Barclayloan
• Date commenced (ideally before Apr 2007) Jan 2013
• Approx balance. £18,500
• Date last paid (approximate date you last made a FULL payment) 2013
• Are you on arrangement or not paying. Was paying Stepchange till 2018
• Status (default/in arrears/up-to-date) Default
• Account owner (who is writing to you, a DCA or the lender. DCA. PRA Group

2013
letter received advising DD cancelled
letter received 87 (1)
letter advising proposal from Stepchange
statement received

2014
letter arrears notice
advising receipt of payment from Stepchange
Arrears notice
statement

2015
arrears notice
receipt of payment from stepchange
arrears notice
advising re kept of payment proposal
statement

2016
arrears notice
arrears notice
thanks us for letting them know about Stepchange
letter advising transferring account to PRA
statement
letter from PRA advising purchased account
letter from Barclays advising formal notice of transfer

2017
letter from PRA account summary
letter from PRA 86B

2018
I requested CCA with £1 PO
they sent back PO account on hold
letter enclosing copy statements but stating
they are currently unable to provide a copy of original agreement so cannot satisfy my request. This does not mean that debt has been written off despite being unenforceable!!!!!

Well that's all debts typed out. Thank you if you are still awake. I would just mention that loans except the biggy were all done online, I don't know if this changes things ???
Any help whatsoever would be gratefully received. Xx

[Warwick65]

Debt 4

• Type of account (credit card/loan) MBNA Card
• Date commenced (ideally before Apr 2007) ????
• Approx balance. £5479.82
• Date last paid (approximate date you last made a FULL payment) September 2013
• Are you on arrangement or not paying. Was paying Stepchange till June 2018
• Status (default/in arrears/up-to-date) Default
• Account owner (who is writing to you, a DCA or the lender. DCA. LINK Financial

2013
November letter received from MBNA advising account restricted as we told them about financial situation
November accepting payment from Stepchange

2014
January letter received from MBNA notice of sum in arrears
March as above
May as above
June Default notice 87(1)
June letter asking if financial situation has changed
July letter received Notice of sum in arrears
August letter stating credit agreement terminated
September letter advising they are selling account
September letter received from Link advising they have account now
October letter received from Link advising offer received to them via Stepchange

2015
September letter received from Link statement of account

2016
March letter from Link statement of account
September letter from Link statement of account

2017
March letter from Link statement of account
September letter from Link statement ofaccount

2018
14th May I sent CCA request with PO for £1
NO reply as yet

Nothing to do as of yet but because I like to line my ducks up - have a look at the DN . Might be a little premature to SAR MBNA just yet

[Warwick65]

Debt 5

• Type of account (credit card/loan) Barclaycard
• Date commenced (ideally before Apr 2007) ????
• Approx balance. £1838.71
• Date last paid (approximate date you last made a FULL payment) September 2013
• Are you on arrangement or not paying. Was paying Stepchange till June 2018
• Status (default/in arrears/up-to-date) Default
• Account owner (who is writing to you, a DCA or the lender. DCA. PRA Group

2013
December statement received from Barclaycard
December letter received thanking me for letting them know about stepchange

2014
Monthly statements received
December letter from Barclaycard advising they have had payment offer from stepchange

2015
Monthly statements received
April Default letter 87 (1)
April letter from Barclaycard Formal Demand
July as above
July letter advising account transferring to PRA Group
September letter advising account now closed
September letter from PRA Group saying they have purchased account

2016
September letter from PRA statement of account

2017
Letter from PRA account summary

2018
14th May I sent CCA request with £1 PO
16th May I received PO back with PO account of hold
June letter from PRA enclosing some documents but stating unenforceable
June letter enclosing copy documents as requested
emailed to Niddy - he thinks UE

Thanks for any help ---- 5 down 1 more debt to add - sorry if you are all bored x

Same as my last answer - look at the DN, Does the agreement say when it was signed? Was what they sent you a recon or a copy of a signed agreement?

[Warwick65]

Debt 3

• Type of account (credit card/loan) Barclayloan Plus
• Date commenced (ideally before Apr 2007) 20th October 2011
• Approx balance. £3219.27
• Date last paid (approximate date you last made a FULL payment) September 2013
• Are you on arrangement or not paying. Was paying Stepchange till June 2018
• Status (default/in arrears/up-to-date) Default
• Account owner (who is writing to you, a DCA or the lender. DCA. PRA Group

2013
November letter received from Barclays advising I had cancelled the DD
November letter received advising missed a payment
November letter received Notice of Default section 87 (1)
December letter received advising receipt of payment proposal


2014
January letter received Arrears Notice
June letter received Arrears Notice
October statement received
October letter received stating receipt of offer of payment
November letter received Arrears Notice

2015
April letter received Arrears Notice
September letter from Barclays Arrears Notice
September letter received from Barclays 12 month review
October letter received advising they are in receipt of payment from Stepchange


2016
February Arrears Notice received
July Arrears Notice received
September letter received from Barclays thanking us for providing details of Stepchange
September letter received from Barclays advising offer of payment received
September received from Barclays advising transfer to PRA Group
October statement received from Barclays
November letter received from Barclays saying transfer now complete
November letter received from PRA Group saying they purchased debt
December letter received from PRA Group section 86B
December letter received from PRA Group statement of account

2017
December letter received from PRA Group statement of account

2018
14th May I sent a CCA request with £1 postal order
18th May letter received back from PRA Group returning PO and account on hold
26th June letter received from PRA enclosing copy documents as requested.
(sent all to Niddy who thinks enforceable)

Next steps please ? Thanks

Not a lot to do at the moment , maybe have a look at the DN from 2013 to see if it is compliant- there are lots more ways to deal with a loan than just the agreement. As its 2011 though, it might be a little more troublesome

[Warwick65]

Debt 2

• Type of account (credit card/loan) Overdraft Barclays
• Date commenced (ideally before Apr 2007) accounts opened 20+ years ago
• Approx balance. 1535.85
• Date last paid (approximate date you last made a FULL payment) ??
• Are you on arrangement or not paying. Was paying Stepchange till June 2018
• Status (default/in arrears/up-to-date) Default
• Account owner (who is writing to you, a DCA or the lender. DCA. Barclays collections

2014
June letter from BARCLAYS received stating payment received via Stepchange
October letter from BARCLAYS Received stating payment received and accepted from Stepchange

2015
September letter received asking for 12 monthly review
October letter received accepting payments from Stepchange
October letter received accepting new payments ( 90p more)

2016
September letter received thanking me for letting them know Stepchange are dealing with payments!
September letter accepting payments from Stepchange

2017
August letter asking for 12 month review
August letter accepting payment from Stepchange (£5 less)


2018
January letter accepting new payment (80p more)
9th May I sent a CCA not realising you cannot for overdrafts.
1st June Letter sent by me offering F&F of £150.00
14th June letter received stating not prepared to accept offer. Will reconsider if I can increase or provide further evidence of situation.
25th June I sent letter offering £175.00 as a F&F
3rd July letter received stating again not prepared to accept etc... as before


What should I do next folks? Thanks

If you are looking for a full and final settlement you would need to show them that a) You can not afford to be paying and b) the total offered is reasonable and based on pro rata to all your creditors.

So for example you may want to send an Income and Expenditure carefully and accurately worked out THAT SHOWS a minimal monthly surplus income that when divided pro rata would give them pence per month followed by a letter explaining where the lump sum had come from e.g a relative is prepared to lend me the money and how it would work out across all your creditors at whatever % you offer.

My personal feeling is that when you just write and offer a lump sum they will think you have more and are trying it on. Also remember everytime you write you are acknowledging the debt

I do wonder if at the moment if a general GDPR request to barclays for everything they holdmight not be a bad idea.

[Floridajen]

Debt 5

• Type of account (credit card/loan) Barclaycard
• Date commenced (ideally before Apr 2007) ????
• Approx balance. £1900
• Date last paid (approximate date you last made a FULL payment) 2013
• Are you on arrangement or not paying. Was paying Stepchange till 2018
• Status (default/in arrears/up-to-date) Default
• Account owner (who is writing to you, a DCA or the lender. DCA. PRA Group

2013
statement received from Barclaycard
letter received thanking me for letting them know about stepchange

2014
Monthly statements received
letter from Barclaycard advising they have had payment offer from stepchange

2015
Monthly statements received
Default letter 87 (1)
letter from Barclaycard Formal Demand
as above
letter advising account transferring to PRA Group
letter advising account now closed
letter from PRA Group saying they have purchased account

2016
letter from PRA statement of account

2017
Letter from PRA account summary

2018
I sent CCA request with £1 PO
I received PO back with PO account of hold
letter from PRA enclosing some documents but stating unenforceable
letter enclosing copy documents as requested
emailed to Niddy - he thinks UE

Thanks for any help ---- 5 down 1 more debt to add - sorry if you are all bored x


Letter received 4th September along with numerous phone calls to which we have not answered....

Letter asks if we can settle account and giving three option
pay a discount price (couple hundred off)
three monthly instalments
six monthly instalments

please call us to arrange .......

what should we do please??
would ideally like the calls to stop

[Floridajen]

Debt 4

• Type of account (credit card/loan) MBNA Card
• Date commenced (ideally before Apr 2007) ????
• Approx balance. £5500
• Date last paid (approximate date you last made a FULL payment) 2013
• Are you on arrangement or not paying. Was paying Stepchange till 2018
• Status (default/in arrears/up-to-date) Default
• Account owner (who is writing to you, a DCA or the lender. DCA. LINK Financial

2013
letter received from MBNA advising account restricted as we told them about financial situation
Accepting payment from Stepchange

2014
letter received from MBNA notice of sum in arrears
Again as above
Again as above
Default notice 87(1)
letter asking if financial situation has changed
letter received Notice of sum in arrears
letter stating credit agreement terminated
letter advising they are selling account
letter received from Link advising they have account now
letter received from Link advising offer received to them via Stepchange

2015
letter received from Link statement of account

2016
letter from Link statement of account
letter from Link statement of account

2017
letter from Link statement of account
letter from Link statement ofaccount

2018
I sent CCA request with PO for £1
NO reply as yet

[Roger]

Next step a GDPR SAR to Barclays.
Was there any PPI?
What is the background to this Loan?
Does the name Mercer appear in any of your documents?