i have wrote the letters but havent sent them out yet, wanting to clarify if i can claim from a debt collection agency (cabot) and the barclaycard even tho the debt has been finished?

any clarification much apperciated

cheers AL but can i clarify what does DCA stand for on here? The barclaycard debt was sold on the 22-01-2002 only to be passed throughout several places im trying to trace and end up with our friends at cabot on 19th july 2005. this has been paid off now but as you can imagine from a debt starting 12-01-2001 to dec 07 i have a lot to claim for, but both barclaycard and cabot has now been paid.

ok, i get word warmed up for some fun then cheers

i have spoken to cabot financial and they took my debt over in 19th april 2005 from a debt with my barclaycard, this card was cancelled and finished 22/01/02 is there anyway i can findout who was dealing with it between such times? i think one was mercers debt collectors.

im getting a bit heavy with the overload of threads to read. and i need it in layman terms do i write to them asking for the history of my account with them regarding defaults like the template for banks? also i have lots of defaults listed on my credit file from them, hows best way of dealing with disposing of that or will that come with the refund of charges

believe me i am happy to lose £5 for the money i wil get returned at some point. for a guy that gets charges twice a month, its going to hurt.

has anyone actually taken cabot to court or got money from them. or is everyone just ****ed off with them?

thanks for your advice mate, will do template asap. where is the libary, getting lost with the search

i have had a barclaycard about three years ago and this was sold to cabot, who i have paid twice the debt on the card at least. am i able to claim the unfair charges foir defaults with them even if i have now finished with them as know its worth a bit to me

if i remeber isnt this why some kid commited suicide once before?

cant you write to them threating legal action for stress caused by the harrassment and needing time off cause of it

i could do but was a while noe, bout a month. at least i get idea what im owned and will write and try again.

should it be on the same paper that my statements come on normally, as stuff i got seems to be computer print out on plain a4

so this should be sent in headed paper exactlly as would be sent if needed todays

time for mr phone call again then. the stupid thing is i kept the messages so i have evidence, and i thought they record all that stuff?

no i just went into a branch and asked, got it in post and £5 out of account

how do i get geniune statements?

i have all the texts that was sent still so can prove should need. but who do i speak to and how do i go about it?

this is my situation. got sent a text from orange on a phone i had with them, (n70) crap phone, offering internet free unlimited for evening and weekends for £5 a month, with all your web pages, i.e ebay,google etc etc so i thought yeah sounds good, so signed up. i then got a new phone with them and used the internet a lot. i.e 80mb a month, didnt get bill in dec then get one in jan asking for about £500 for mainly internet usage. when phoned up and complained saying should be free due to offer they couldnt find the message sent and the confirmation from the text i replied to it with. so a dispute was held and as my package of 4mb free with my contract was on it it conflicted with it, but the guy in the end did a bill recalculation and said it will be off set against my next bill. fine as i didnt pay it and continued to use phone. got a bill thro this week and it has £200 to pay as i have used the internet and clarified with him what was said etc but he has put it on as orange world which is pointless interent and not what was offered on the text as includes google etc. what do i do? i havent paid yet, should i swallow the cost or hit them hard for it?

im trying my luck with barclaycard and havent started making progress till now. my account with them has been closed for around a year now so can i still apply and if so do i send it to one of many address's that crop up on here. sar's is this a template somewhere as im not finding it, prehaps not looked with right glasses. when asking for the statements what is the start date i am asking for or is it 6yrs from date of asking? also... my account got so heavily bogged down with arrears and charges due to such like that it got passed to a debt collection agency which has only just been paid off, is this something else i can claim from or has the debt been sold to them? thanks for all help and guidance for a new warrior

i asked for last 6yrs statements and got data entries, is this usual, and i have to sive thro to find what im after or should i of just asked for a summary of the charges applied to my account from such time? what date am i asking it from?

cheers big dog, at least i have an aim to go for now

hey guys/girls im willing for the search police of this forum point me in right direction as im lost without a map on this site. my situation, i have lots of charges that need to be claimed off barclays (1500aprox) and i have had a barclaycard, hsbc account which had inccured charges before its closure. how do i go about trying to find out charges if i can from closed accounts? i asked for 6yrs statements from barclays but got printouts which dont mean too much, do i sive thro the crap or can i ask just for the charges? do i need to write to all the banks involved? is this just banks and barclay cards or loan agreements etc as well?