Barclaycard/Lowell/Red/Hampton

[jayjays]

Hi everyone,

 

I have a barclaycard debt that defaulted in April 2009 for £790.

 

The account was opened in 2001 and I know that there have been charges on this card that would cover a large amount of the balance owed.

 

Earlier this year I started receiving letters from Lowell chasing the debt and sent a CCA request to which I got a reply with a reconstituted agreement.

They passed on to their other department Red and it is now going to Hamptons to see if they will apply for a CCJ or SD.

 

I know that I need to send a SAR to Barclaycard to get proof of the charges but I am after some advice to what action I can take, I have two questions;

 

1 If and when I get the statements and evidence of charges, would I just send a claim to Barclaycard and then send a letter to Hampton's saying the account is in dispute?

2. Is there anything I can do now to keep Hampton's at bay?

 

I am a bit worried that they have a track record of issuing SDs and this debt is, in their eyes, over the £750 limit.

 

Thanks,

J

[citizenB]

Yes, SAR to B/shark for ALL the data they have in connection with your financial relationship. They have 40 calendar days in which to respond. You will need to send £10.00 with the request and you will find a draft request in the CAG library.

 

If Lowells were to issue an SD, then you could probably get it set aside on the basis that the sum claimed is incorrect and below the SD thresh hold.

 

You can respond to any correspondence from Lowells or their departments Red/Hamptons and advise that as you believe the amount they are claiming is incorrect you have written to B/shark and until you receive a response from them, you consider that the account is in dispute.

[dx100uk]

how much is the debt?

 

dx

[jayjays]

Yes, SAR to B/shark for ALL the data they have in connection with your financial relationship. They have 40 calendar days in which to respond. You will need to send £10.00 with the request and you will find a draft request in the CAG library.

 

If Lowells were to issue an SD, then you could probably get it set aside on the basis that the sum claimed is incorrect and below the SD thresh hold.

 

You can respond to any correspondence from Lowells or their departments Red/Hamptons and advise that as you believe the amount they are claiming is incorrect you have written to B/shark and until you receive a response from them, you consider that the account is in dispute.

 

Thanks for the response, will get the SAR off ASAP and will send a letter to Red/Hamptons saying it's in dispute.

 

Cheers.

[jayjays]

how much is the debt?

 

dx

 

The credit limit was £500. CRA says default amount £772 and current balance £795.

 

Thanks,

J.

[dx100uk]

and this is from an account started in 2001

 

urm.. i'd doubt they'd go anywhere near a court or SD etc

 

esp as this is prob far outweighed by PENALTY charges reclaim.

 

dx

[slick132]

Hi JJ and welcome to CAG

 

Get the SAR sent off asap.

 

Tell anyone chasing payments that the a/c is in dispute re unlawful penalty charges and, if they continue to make demands while the a/c is in dispute, you'll report them to the FOS for breach of the OFT Debt Collection Guidelines.