Guidance appreciated re old Barclaycard debt

[PositivePenury]

Thanks for reading! Briefly:

 

- I developed serious chronic incurable illness over last few years and got deep into unsecured debt on various cards

- Barclaycard debt nearly into five figures

- haven't used the card for years

- got to stage where couldn't make payments

- card originally taken out in year 2000

- MKDP taken over from Barclaycard

- CCA request sent on 22/05/13

- MKDP reply 4/6/13 saying unable to comply but will be liaising with original creditor to request documentation

- the claimed amount does appear on my credit file

 

Questions:

 

1. Will Barclayscard have documents going back to year 2000?

2. Is there any point in sending a SAR to either Barclaycard or MKDP?

3. Would it be best to let sleeping dogs lie re charges etc whilst they can't enforce?

 

Many thanks in advance.

[slick132]

Hi PP,

 

Wait and see what comes back in response to the CCA request.

 

Do you have all your a/c statements to see what charges were added to the a/c over the years ? If not, an SAR request may be useful.

 

[Desperate Daniella]

Hi PP,

 

When did you last make a payment?

 

Was the Barclaycard an original Barclaycard, or was it something else, like Goldfish or Morgan Stanley first?

 

DD

[PositivePenury]

Hi and thanks.

 

Slick - I have most but not all statements. Maybe I should SAR then.

 

Daniella - I last made payment in January 2012. I did have a Morgan Stanley card so maybe it became a Barclaycard. Does that make a difference?

 

Thanks again.

[Desperate Daniella]

Hi,

 

If it was originally a Morgan Stanley card they may well not have an agreement to back it up. Let's see what they send in response to the CCA request.

[PositivePenury]

Thanks Daniella. I'll wait and see then.

[PositivePenury]

I've just sent out an account in dispute letter. I will also SAR them.

[slick132]

Hi PP,

 

The SAR is a good idea and any penalty charges can be reclaimed in full from BC, regardless of what company originally issued the card.

 

Keep us informed.