Barclaycard account (formally EGG) agent keeps harrassing me!

[confusedbunny]

I have a credit debt with EGG, who now been taken over from Barclaycard.

 

I had their agent "Credit solutions" call me pressuring me for payment,

I refused and said i can only make token payments like i have been to EGG.

 

They kept calling me and then advised me to explain in an email to them a breakdown of my I & E,

I did this and explained that they will get the same as my other creditors and not to call me again

and to just give me their bank details to make the payment..(i have sent them approx 4 emails)......

 

Last week, I then get a letter from another company saying i must contact "credit solutions" within 7 days to clear the debt as they have not heard from me, what a lie!!

 

what do i do now?

 

I cant make token payments to Barclaycard or credit solutions as no-one is giving my bank details to make such payment

[dx100uk]

tough for them

either they want your money or not.

 

you should NOT be sending pers financial details to anyone bar a judge!

 

dx

[confusedbunny]

Oh really!!??

But they said i must or they are sending bailiffs, is this untrue?

 

should i ignore them now?

[dx100uk]

load of borrocks!

 

i take it you are talking to creditors or DCA's on the phone???

 

bailiff can ONLY ever be involved

 

if

you've been taken to court

 

got a CCJ against you

 

fail to pay the CCJ

 

and even then they get the juges authority.

 

all these debts ARE on your cra file aren't they?

 

dx

[confusedbunny]

thank you so much! I am not sure who they are, credit solutions ltd

 

http://www.creditsolutions.co.uk/aboutus.html

 

I think they are DCA's , not sure what the difference is.

 

I got my credit file and this is the only debt that is not on there from experian, could it be on a different credit file?

 

any debt, they cannot send bailiffs until they have taken me to court and i have failed payment?

[dx100uk]

yes!!

 

if its not on your cra pers i'd ignore them!!

 

CS are well know for fleecing tactics.

 

dx

[citizenB]

Oh really!!?? But they said i must or they are sending bailiffs, is this untrue? should i ignore them now?

 

 

Do you have this in writing?

 

Do you know if CRS are the new owners of the account or are they simply collecting on behalf of EGG.

 

Either way, if you were in an acceptable payment arrangement with EGG then CRS are obliged to continue to accept until any review date.

 

When they make silly statements such as "We have not heard from you".. what they are saying is..

 

You have not telephoned us so we can make your life a living hell.

 

A short note in return could be along the lines of..

 

Dear Sir or Madam,

 

Account references.

 

I am surprised at your latest communication which claims that I have not contacted you.

 

We both know this is an untrue statement!

 

Prior to your involvement, there was an arrangment for a reduced payment, with EGG. I expect you to honour that arrangement.

 

You will of course be aware that your behaviour is in breach of OFT guidelines.

 

Yours faithfully.

 

PRINT DO NOT SIGN your name

[slick132]

Hi Confusedbunny,

 

Don't let these chancers wear you down.

 

CSL have no right to demand that you do anything really. If they or BC have failed to respond to your requests for paying-in details, that's their problem.

 

Keep everything in writing only and don't speak to them.

 

If CSL continue to play up, you could always send them a CCA Request. That should be interesting if they have no credit agreement.

 

Let us know how this goes.

 

[victoria_siempre]

Hi guys

 

I have always found CSL to be charming and lovely people; why, only today they wrote to me unsolicited offering a 55% discount off a BC account as a F&F.

 

x

 

v

[confusedbunny]

I still have this credit card debt of approx. £5,500.

 

I wrote to them to request my debt be written off under medical grounds.

 

I have sent supporting evidence of my long-term, incurable medical issues.

 

They are still refusing to write off the debt & will be in touch 'from time to time',

 

I explained that it doesn't make it any easier in regards to making my mental health issues worst, my situation isn't going to change & as the debt still exists despite them not taking action at this time, this has also fell on deaf ears.

 

Where do I go from here?

[Ford]

has anything else happened in the 5 years?

are you token paying, or is it now possibly statute barred

did you do the cca request (if they can't fulfill that, that might help them bog off)

has a formal complaint been in, and then on to the fos. (there are newer ish rules around regarding helping people in such circumstances)

etc

post back, cag will help