Thanks for the interest HS. The debt has been sold by Barclaycard. It wasn't brought under hardship rules, i just spanked barclaycard for £850 for an old barclaycard account which they paid then spanked them for an old goldfish account which they have previously sold and yes it is under 5K Can anybody point me in the right direction for some small claims help

Thanks for the advice. I feel that Ts and OFT are toothless and was wondering if i could take them to the county court? Any thoughts

I have made the demand and they say its going to the DCA, and will hit their account later nect week.

Hello Can anybody point me in the right direction please I applied to Barclaycard to refund some unfair charges and after a little effort they have agreed to repay the full amount. The problem I have is that the debt was sold to a DCA, (which I have lodged a dispute with for not producing my CCA.) and Barclaycard have said they are paying what they owe me to the DCA. Is there any way I can force them to give it to me.

Thanks for that. its now over a month since my first request and two weeks since account in dispute, other than one quite civilised phone call i've had no contact. this was an old goldfish card bought out by barclaycard, with a bit of luck they'll never find the cca.

Thanks for that. Am i right in thinking this will go on for six years and then fall off the radar??? and if so is it six years from when the debt is disputed??? Sorry to be so dumb but theres that much good stuff on here its hard to find the right threads some times.

Thanks for that, I wont hold my breath. The template letter I sent them told them they cant sell the debt while it's in dispute, if they do sell it have i not got some sort of claim against them?

So do you just have to sit and wait and hoope they dont find the cca Is there nothing we can do to amke them write the debt off, can we not make them repair your credit file (no proof of debt so they shouldn't be able to put adverse reports on your credit file, should they!!!) . Whats the next step

Can anybody help me please. I've sent the two letters to Aktiv Capital regarding an old credit card account. They've told me that they have contacted the card company and will send the cca as soon as blah blah blah. I have now put the account into default and I'm not paying again until they find the cca. What I need to know now is do I just sit and wait and hope they never find the cca, is there some way to force them to write the debt off, can I force them to repair my credit file, whats my best next step any help greatly appreciated thanks katedog

I'm in a similar situation no CCA provided and now out of the time allowed. We're in "dispute" I'm not paying them and appart from one phone call a week ago when they were quite civilised and listened to what I was saying, I've had no further contact. My question is do I now just sit back and foreget about it or is there some way to force these people to either put up or shut up. What effect does an outstanding debt have on my credit file and can I force anyone to remove adverse references for a debt that cant be proved (ie no cca)