Patch's Diary

[patchouli]

Re: Patch's Diary

• Type of account Was Skycard, they changed it to Barclays Gold CC (hubbys)
  
  
• Date commenced Sky 2005 - change 2007
  
  
• Approx balance £1,663.06
  
  
• Date last paid Always pay minimum
  
  
• Are you on arrangement or not paying
  
  
• Status UTD
  
  
• Account owner Barclaycard Gold Mastercard
  
  
• Current state of play
  Stopped paying in December 2013.
  
  Letter received 28th December 'you haven't paid, we can take from current account if you have one'not 100% sure I 'have' one?

Statement arrived 20th January 2014 with an Office of Fair Trading 'Arrears' leaflet in with it. Balance now at £1,722.

Statement arrived today 20th January 2014 with an Office of Fair Trading 'Arrears' leaflet in with it. Balance now at £1,722.
Filed and ignored.

[Deepie]

Re: Patch's Diary

Statement arrived today 20th January 2014 with an Office of Fair Trading 'Arrears' leaflet in with it. Balance now at £1,722.
Filed and ignored.

That's the spirit

[Pixie]

Re: Patch's Diary

Do I need to wait until they have been sold before a F&F?

It's all making me poorly, I want these people gone and my life back.

Please don't let it make you feel poorly

I would wait until the debts have been sold on before you do anything. I don't know why you're thinking of F&F settlements as you don't know yet if they're UE or not. I know you want them out of your life but it can actually be quite "enjoyable" playing the game with the banks/dcas. It sounds daft but you actually miss the letters in a way once they stop coming at such regular intervals.

I'm so stupid for ever getting credit.

No you are not!!! Credit was thrown at us willy-nilly. The banks were the stupid ones.

[patchouli]

Re: Patch's Diary

• Type of account Barclays CC (mine)
  
  
• Date commenced Around '97
  
  
• Approx balance £2,481.48
  
  
• Date last paid I always pay the minimum quit in December 2013
  
  
• Are you on arrangement or not paying
  
  
• Status UTD
  
  
• Account owner Barclaycard

Had a text at 11am to tell me to expect a text.
Immediately I got a text from a different number telling me my payment is 'a little late this month' .. oh noes! Whatever shall I do!

Another text at 12 telling me to expect a text.
Immediately the same text as before about being a 'little late'

No idea how they got my mobile number unless I gave it to them?

[Sharon2345]

Re: Patch's Diary

I've checked mine once in 5 years....a few weeks after I checked I got a flurry of letters and phone calls...So it's best to keep under the radar......

So am i right if you check your credit file they are monitoring when and then start bombarding you?

[Deepie]

Re: Patch's Diary

So am i right if you check your credit file they are monitoring when and then start bombarding you?

Yep........ best stay away if you ask me..........

[Sharon2345]

Re: Patch's Diary

Yep........ best stay away if you ask me..........

Really? I thought thats personal information only you can access or if you authorise a company to search your file?

So what are they looking for when you access your credit file?

[patchouli]

Re: Patch's Diary

I'd like to expedite my lot into action so should I check all the credit doo-dahs? Would that alert everyone and get them writing to me?

What ones are there? I only know of Experian...

[patchouli]

Re: Patch's Diary

Really? I thought thats personal information only you can access or if you authorise a company to search your file?

So what are they looking for when you access your credit file?

Contact details I should imagine

[Loopyloo]

Re: Patch's Diary

I'd like to expedite my lot into action so should I check all the credit doo-dahs? Would that alert everyone and get them writing to me?

What ones are there? I only know of Experian...

I use Noddle as it's free! Don't think it is as accurate as Experian etc, might be best leaving it be though as Deepie suggested.

[Enforcer]

Re: Patch's Diary

Never ever ever looked at my credit file. Why should I? I know it's trashed umpteen times by Banks and Debt collectors who seem to think I owe them. Think not.

[Never-In-Doubt]

Re: Patch's Diary

There is Experian, Equifax & CallCredit (Noddle is the free CallCredit version).

Lenders or agents with whom you have business such as a dca, can regularly search your file or use tracing services to search your details against an analytical company such as N Hunter.

Try & avoid searching your file as Experian, for one, alert creditors if you suddenly pop up via search or you've applied for your file. It's not worth it if you're fighting UE. Just forget it for a few years!

[Sharon2345]

Re: Patch's Diary

There is Experian, Equifax & CallCredit (Noddle is the free CallCredit version).

Lenders or agents with whom you have business such as a dca, can regularly search your file or use tracing services to search your details against an analytical company such as N Hunter.

Try & avoid searching your file as Experian, for one, alert creditors if you suddenly pop up via search or you've applied for your file. It's not worth it if you're fighting UE. Just forget it for a few years!

Many thanks Niddy thing is I used equifax before Xmas to just have a look how many defaults I had left and I noticed Apex had been searching me. It stated it under searches. Equifax another one who will report?

[patchouli]

Re: Patch's Diary

• Type of account Was Skycard, they changed it to Barclays Gold CC (hubbys)
  
  
• Date commenced Sky 2005 - change 2007
  
  
• Approx balance £1,663.06
  
  
• Date last paid Always pay minimum
  
  
• Are you on arrangement or not paying
  
  
• Status UTD
  
  
• Account owner Barclaycard Gold Mastercard
  
  
• Current state of play
  Stopped paying in December 2013.
  
  Letter received 28th December 'you haven't paid, we can take from current account if you have one'not 100% sure I 'have' one?

Letter received 25th January 'You bad boy, you still haven't paid so we are passing it over to Mercers, which is still us but with a scary name... perhaps... so pay up or we will write to you again!'

Just got this... is now a good time to send a CCA or should I wait until Mercers write to me? Or wait until they sell it to a DCA?

[Enforcer]

Re: Patch's Diary

Send them a CCA, urgently. Then check terms & conditions, including variations. If there is no right of set off in original or varied terms, you will have a FOS case for refund. Barclays had to alter T&C last October for current accounts to clarify this.