Originally posted by JLC
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Barclaycard
I haven't CCA'd Barclaycard yet. I PPI's them, but have no PPI with them.
10/2/16 - CCA request posted.
29/3/16 - CCA received, sent to Niddy to look at.
Letter received from Barclaycard dated 29/3/16. We have been trying to contact you for several months, but haven't been able to reach a suitable repayment arrangement with you. As your account it still overdue, we need to let you know what will happen if you don't make a payment or get in touch with us. It then goes on about issuing a default notice.
Spoke to Plan B today about this account and there are a few discrepancies on both the forms supplied and credit file. Still waiting for Niddy to return, but pretty much look unenforceable. Also missing Conditions.
22/4/16 - statement received from barclaycard. £45.60 interest and £12 'other charge' added.
11/5/16 - default notice received from barclaycard dated 5 May 2016.
23/5/16 - statement received from barclaycard. £42.04 interest added.
8/6/16 - letter received from barclaycard dated 2/6/16.
A default has been registered on your account - you now need to pay your balance in full (it's basically telling me that my account is with the recoveries team and may be passed to a DCA - it's a side and a half of a page)!
15/9/16 - letter received from barclaycard dated 10/9/16. I am writing to notify you that the above account was assigned and transferred by Barclaycard to Hoist Portfolio Holding 2 Limited (HPH2 LTD) on 22/8/16. This means that the effective owners of the above account are now Hoist Portfolio Holding 2 Ltd. HPH2 Ltd has appointed Robinson Way Limited as their servicing agent to manage your account on their behalf. All contact regarding this account should now be directed to Robinson Way. With effect from the date of receipt of this notice all payments due to barclaycard shall be paid to HPH2 Ltd via Robinson Way.
16/9/16 - two letters received in the same envelope from HPH2 ltd and Robinson Way
28/9/16 - letter from Robinson way dated 22/9/16 offering me four payment options with a weekly payment
10/10/16 - letter received from Robinson way.
it is important that you get in touch with us to tell us about your situation. If we don't hear from you, we will have to make a decision on what happens next to the balance you owe.
options we have to consider are
* whether to advise our client to instruct Howard Cohen & Co solicitors to commence legal action against you; or
* further collection activity, letters and calls
We would prefer to agree an affordable arrangement and it's not too late for this.
alternatively, our client has confirmed they are willing to accept a single payment of £2,490.63 to clear this balance in one payment
please contact us .................blah
4/11/16 - letter received from Robinson Way dated 31/10/16
Pre-Legal Assessment
your account remains unpaid despite previous attempts to contact you.
we have assessed your account and established that it meets our initial criteria to be considered for legal action. We now need to understand your individual circumstances to determine the most appropriate action to be taken for your account.
The best way for us to understand your circumstances is for you to contact us. If you do not contact us we will be forced to assess your account for litigation based on the information we currently hold for you.
what this means for you
*Your account may be transferred to Howard Cohen & Co Solicitors in 10 days without further notice.
*If your account is transferred to Howard Cohen & Co Solicitors and court action is taken they will ask the court for an order adding legal costs and interest to the amount you owe. If the court grants their request then the amount you owe will increase.
its not too late to agree and affordable payment plan:
*if you would rather agree and affordable payment plan directly with us to prevent us considering passing your account to Howard Cohen & Co or if you believe you have a valid dispute relating to this account please call us before 11/11/16.
*if you prefer you can deal with your account online ......blah
- Type of account Credit Card
- Date commenced (ideally before Apr 2007) 2006
- Approx balance £3268.75 (I have paid £2440.78)
- Date last paid (approximate date you last made a FULL payment) last Full payment made in 2011,
- Are you on arrangement or not paying - not paid since Jan 16
- Status (default/in arrears/up-to-date) in default since 2011
- Account owner (who is writing to you, a DCA or the lender) Barclaycard
I haven't CCA'd Barclaycard yet. I PPI's them, but have no PPI with them.
10/2/16 - CCA request posted.
29/3/16 - CCA received, sent to Niddy to look at.
Letter received from Barclaycard dated 29/3/16. We have been trying to contact you for several months, but haven't been able to reach a suitable repayment arrangement with you. As your account it still overdue, we need to let you know what will happen if you don't make a payment or get in touch with us. It then goes on about issuing a default notice.
Spoke to Plan B today about this account and there are a few discrepancies on both the forms supplied and credit file. Still waiting for Niddy to return, but pretty much look unenforceable. Also missing Conditions.
22/4/16 - statement received from barclaycard. £45.60 interest and £12 'other charge' added.
11/5/16 - default notice received from barclaycard dated 5 May 2016.
23/5/16 - statement received from barclaycard. £42.04 interest added.
8/6/16 - letter received from barclaycard dated 2/6/16.
A default has been registered on your account - you now need to pay your balance in full (it's basically telling me that my account is with the recoveries team and may be passed to a DCA - it's a side and a half of a page)!
15/9/16 - letter received from barclaycard dated 10/9/16. I am writing to notify you that the above account was assigned and transferred by Barclaycard to Hoist Portfolio Holding 2 Limited (HPH2 LTD) on 22/8/16. This means that the effective owners of the above account are now Hoist Portfolio Holding 2 Ltd. HPH2 Ltd has appointed Robinson Way Limited as their servicing agent to manage your account on their behalf. All contact regarding this account should now be directed to Robinson Way. With effect from the date of receipt of this notice all payments due to barclaycard shall be paid to HPH2 Ltd via Robinson Way.
16/9/16 - two letters received in the same envelope from HPH2 ltd and Robinson Way
28/9/16 - letter from Robinson way dated 22/9/16 offering me four payment options with a weekly payment
10/10/16 - letter received from Robinson way.
it is important that you get in touch with us to tell us about your situation. If we don't hear from you, we will have to make a decision on what happens next to the balance you owe.
options we have to consider are
* whether to advise our client to instruct Howard Cohen & Co solicitors to commence legal action against you; or
* further collection activity, letters and calls
We would prefer to agree an affordable arrangement and it's not too late for this.
alternatively, our client has confirmed they are willing to accept a single payment of £2,490.63 to clear this balance in one payment
please contact us .................blah
4/11/16 - letter received from Robinson Way dated 31/10/16
Pre-Legal Assessment
your account remains unpaid despite previous attempts to contact you.
we have assessed your account and established that it meets our initial criteria to be considered for legal action. We now need to understand your individual circumstances to determine the most appropriate action to be taken for your account.
The best way for us to understand your circumstances is for you to contact us. If you do not contact us we will be forced to assess your account for litigation based on the information we currently hold for you.
what this means for you
*Your account may be transferred to Howard Cohen & Co Solicitors in 10 days without further notice.
*If your account is transferred to Howard Cohen & Co Solicitors and court action is taken they will ask the court for an order adding legal costs and interest to the amount you owe. If the court grants their request then the amount you owe will increase.
its not too late to agree and affordable payment plan:
*if you would rather agree and affordable payment plan directly with us to prevent us considering passing your account to Howard Cohen & Co or if you believe you have a valid dispute relating to this account please call us before 11/11/16.
*if you prefer you can deal with your account online ......blah
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