Night Monkey's diary

[Night Monkey]

Type of account - HSBC credit card
Date commenced - Approx 2005
Approx balance - £6514
Date last paid - Early 2018
Are you on arrangement or not paying - DMP with StepChange
Status - default
Account owner - HSBC Repayment Services

29.9.19 Finally sent CCA request, using one of the returned postal orders :-)

11.10.19 Received a hand-addressed letter today, presumably from HSBC, containing my letter requesting a CCA and the postal order. No covering letter, no compliments slip, nothing else at all. Seemed a bit rude, tbh. I'm thinking 'I've asked, you haven't supplied the necessaries, no further action from me required'. Does anyone disagree? Oh, and I'm glad I used recorded delivery :-)
25.3.20 Informed StepChange that we intend to self-manage from now on, redirected £308 monthly standing order to separate savings account.
4.6.20 Received a letter from HSBC (badly auto-generated with blanks where StepChange should be mentioned) saying they've contacted SC following missed payments and received no response so assume they are no longer representing me and they will now contact me directly. Important that we contact them, etc. ~£6100 owing so they've had ~£400, ~£100 missed payments. Filed.
18.8.20 Letter from Moorcroft Debt Recovery Ltd., account has been passed to them to act as a collection agent, they offer a flexible approach etc. and will be in contact in the coming days. Filed.
26.8.20 to 15.12.20 - Lots of letters from Moorcroft

Today received sn unexpected cheque for £50 to "compensate for quality of service received from Collections and/or Recoveries which did not meet that standard that we would expect".

I've noticed a few of these on the forum lately, have we decided that's it's safe to bank them?

[Night Monkey]

I've just noticed that Moorcroft carried out a hard search on my credit file in August of this year when an HSBC credit card was passed to them to have a go at collecting. I'm not overly worried as I'm not intending to look for credit any time soon but it seems a bit much. Is that something that they'd usually do?

I'd expect maybe a soft search to check for a current address but not something that would actually affect my (already trashed) file.

[Night Monkey]

I've held off sending another GDPR request for the moment - It transpires that the replies I've had (both effectively 'we don't know who you are') came from the GDPR department at the address in post #105 above so it looks like my requests found their way to where they needed to be.

The only way forward will be to provide more information, which I'm reluctant to do in case it helps PRA should they go asking for things. Any thoughts on how 'helpful' I should be, given that I want to see what they have on me but not make life easy for PRA who I'm expecting to issue proceedings at some point?

[nightwatch]

ooohh good, let us know what happens x

[Night Monkey]

devil in the detail

Indeed it is

This was specifically the Barclaycard general enquiries number, and the given address for Barclaycard.

[nightwatch]

ii this for BARCLAYS or BARCLAYCARD, devil in the detail.

[Night Monkey]

I got some more id certified at the local Barclays branch to save time, and they told me that the general inquiries number is 0333 200 9090. They in turn confirmed the GDPR request address to be:

General Data Protection Regulations (GDPR) Team,
Leicester,
LE87 2BB.

I'll get a new request off this afternoon.

Is there a place on the forum where we can collect this information as we gather it?

[Night Monkey]

Cheers NW. I initially applied online, and then tried again with id to the address on the letter from their GDPR department.

I’m not at home at the moment so will investigate trying again on Monday.

[nightwatch]

Barclays Bank and barclay card are seperate, All under the same heading
So you can have a bank account with barclays and a CC with Barclaycard, they may/Will show up on your online banking but the bank may not know what is happening with the card unless they are told by card sevices
the only address I can find is; General Enquiries: Barclaycard House, 1234 Pavilion Drive, Northampton, NN4 7SG, Mail Van area 24,
You may need to provide a ref / card no. off your last letter from them.

[Night Monkey]

Type of account - Barclaycard credit card
Date commenced - Approx 2012
Approx balance - £7300
Date last paid - Early 2018
Are you on arrangement or not paying - DMP with StepChange
Status - default
Account owner - PRA Group (UK) Ltd.

28.3.19 Letter from Barclaycard, 'We've now transferred your Barclaycardover to PRA Group (UK)Ltd.'
28.3.19 Letter from PRA Group, 'We have recently purchased your outstanding balance with Barclaycard'
17.8.19 Requested CCA details
22.8.19 Returned £1 postal order with above letter, no specific mention of this account
25.3.20 Informed StepChange that we intend to self-manage from now on, redirected £308 monthly standing order to separate savings account.
26.3.20 Received statement from PRA, ~£6700 outstanding, ~£650 received.
14.8.20 Letter from PRA Group (UK) Ltd., account is now with Investigations & Litigation Department. If they do not hear from us in the next 30 days then our account will be considered for the next stage etc.
17.9.20 Letter Before Action with form to fill in. Spoke to Di, ignoring for now.
17.9.20 Sent GDPR request to Barclays online
1.10.20 Received letter from Barclays saying that they were unable to comply with GDPR request as the details I provided did not match their records, asking that I provide id at a branch and resubmit.
Sent certified copies of passport & driving license with new request.
17.10.20 Letter from Barclays, they are unable to carry out my GDPR request as they are unable to 'locate the customer from the information provided'.

Barclays are unable to provide any information as they are unable to 'locate the customer from the information provided'. Despite them sending me a letter to this address in March, telling me that they had transferred my account to PRA. If I wish to submit the request they ask that I provide an account number, any previous names and addresses and date of birth. I don't think so.

Unfortunately I can't find any correspondence from before March, I'm not sure why that is.

Do Barclays Bank have different systems to Barclaycard?

[Night Monkey]

Type of account - Barclaycard credit card
Date commenced - Approx 2012
Approx balance - £7300
Date last paid - Early 2018
Are you on arrangement or not paying - DMP with StepChange
Status - default
Account owner - PRA Group (UK) Ltd.

28.3.19 Letter from Barclaycard, 'We've now transferred your Barclaycardover to PRA Group (UK)Ltd.'
28.3.19 Letter from PRA Group, 'We have recently purchased your outstanding balance with Barclaycard'
17.8.19 Requested CCA details
22.8.19 Returned £1 postal order with above letter, no specific mention of this account
25.3.20 Informed StepChange that we intend to self-manage from now on, redirected £308 monthly standing order to separate savings account.
26.3.20 Received statement from PRA, ~£6700 outstanding, ~£650 received.
14.8.20 Letter from PRA Group (UK) Ltd., account is now with Investigations & Litigation Department. If they do not hear from us in the next 30 days then our account will be considered for the next stage etc.
17.9.20 Letter Before Action with form to fill in. Spoke to Di, ignoring for now.
17.9.20 Sent GDPR request to Barclays online
1.10.20 Received letter from Barclays saying that they were unable to comply with GDPR request as the details I provided did not match their records, asking that I provide id at a branch and resubmit.
Sent certified copies of passport & driving license with new request.
17.10.20 Letter from Barclays, they are unable to carry out my GDPR request as they are unable to 'locate the customer from the information provided'.

Barclays are unable to provide any information as they are unable to 'locate the customer from the information provided'. Despite them sending me a letter to this address in March, telling me that they had transferred my account to PRA. If I wish to submit the request they ask that I provide an account number, any previous names and addresses and date of birth. I don't think so.

Unfortunately I can't find any correspondence from before March, I'm not sure why that is.

Do Barclays have different systems to Barclaycard?

[Night Monkey]

Still nothing showing the GDPR request as delivered to Barclays...

[The Tech Clerk]

Or am I becoming too cynical in my old age = get in the queue lol

[Joanna Connolly Solicitors]

. . . there is no reason they need this? I’m just wondering if this could be used against you in future by being seen as you acknowledging the debt?

My approach is always 'ask don't tell'.

Don't give them any information which could help them to fill in the blanks where they lack necessary information, such as a previous address which could be used to 'reconstitute' a credit agreement.

And don't sign with your signature (sign digitally if possible). There's anecdotal evidence that signatures have been lifted to use on documents retrospectively.

Or am I becoming too cynical in my old age

Di

[Night Monkey]

I’m just wondering if this could be used against you in future by being seen as you acknowledging the debt?

I was a little edgy about that too, but I'd made no reference to the account I'd had with them and didn't give them any previous addresses to help them reconstitute anything. I wasn't telling them anything they didn't know already so felt reasonably safe playing along.