Barclaycard problems

[aTaxiDriver64]

Hi i have a credit card with this lot but not paid on it for a while it has a balance of £1400 over the last year they have not added any interest, looking on expirian barclaycard is on there and also HFO sevices ltd for the same debt, HFO have put a default on this account but barclycard havn't, not heard anything from either of them but that could be because i didnt tell them i had moved, since i cleared the welcome finance debt i want to clear the rest i owe but dont know wether to contact them via a cca request to see if they have a cosha agreement and see what charges have been put on it, and if so do i send it to barlaycard or HFO.

thanks for looking

 

ataxidriver

[citizenB]

In the first instance you would send a CCA request to Barclaycard:) You will need to include a £1.00 postal order.

[aTaxiDriver64]

Hi thanks for the reply CitizenB i will send a cca request asap, and put the result up here.

 

ataxidriver

[slick132]

Hi TD,

 

If you don't have all your statements, consider sending a SAR too, so you can quantify the penalty charges made on this a/c.

 

Read the Reclaiming Guide at Link No1 in my signature below.

 

[aTaxiDriver64]

Hi just an update on this, looking at my experian report i have this HFO services entering data on this account aswell as barclaycard is it right they can both do this? or should it be only one dealing with it?

[slick132]

It will depend on what entries were made, when and by whom. Queries on this can be put here - http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/

 

You didn't say if there are any penalty charges on the a/c - if there are, the negative markers on the a/c will be inaccurate and this should enable you to challenge the entries.

[aTaxiDriver64]

It will depend on what entries were made, when and by whom. Queries on this can be put here - http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/

 

You didn't say if there are any penalty charges on the a/c - if there are, the negative markers on the a/c will be inaccurate and this should enable you to challenge the entries.

 

Hi i have no idea about added charges yet as they didnt send a break down or full statement, just a balance of the account.

 

ataxidriver

[slick132]

If you don't have the statements to show what charges were made to the a/c, you need to send a SAR.

[aTaxiDriver64]

If you don't have the statements to show what charges were made to the a/c, you need to send a SAR.

 

ok

Edited April 7, 2009 by aTaxiDriver64

[aTaxiDriver64]

Hi i sent a CCA request on the 29th of april to barclaycard to date i have heard nothing from them via post not even to confirm they recieved it, the only thing i have heard was through experian as an alert that barclaycard had noted a dispute by the customer on the account.

When would the 12 + 2 days be up i worked it out to be the 19th may is that correct. ta

 

ataxidriver64

[slick132]

Yup,

 

19th May, after which, they're in default.