Barclaycard debt passed to Wescott - Help

[Crux83]

I received a letter from Wescot today titled - ''Notice of debt collection''.

 

We have been instructed by our client(Barclaycard commercial) to collect the outstanding balance on their behalf.

 

The amount outstanding is £1174.95 which (judging by my statement) is comprised of £778.95 on purchases and £396 default fees.

 

I started a little business(sole trader) 3 years ago that went absolutely nowhere and this is where this debt is derived from.

 

Now...I had been making payments on this account but for a good 6 months I have not been in a position to keep up, and therefore I find myself in this situation.

 

My goal is to try and offer this company(Wescot) a small percentage of what is outstanding as I simply can't afford the full balance.

I just want to get rid of this debt as swiftly as possible.

 

I would like to know how to go about achieving my goal ie.

Do I send a letter requesting a F&F settlement straight away or are there other routes I need to go down first?

 

Also could the default charges due not be offset against the full balance?

 

Any help would be greatly appreciated.

 

Thank you

Craig.....newbie

[Bazooka Boo]

Hello & welcome to CAG..

 

First things first. DO NOT contact wetcloths at all!

 

Deal direct with sharklaycard.

 

You need to reclaim all of those charges that they have added to your account, including any interest that has accrued on them.

 

Contact sharklaycard in writing ONLY, stay off the phone, you need a paper trail of evidence.

Contact them and make them an offer that is reasonable and comfortable for you to make.

[BRIGADIER2JCS]

Hello Craig,

Welcome to CAG,

Wescott are just assigned to collect the debt, and would have to pass any offer of full and final settlement back to Barclays.

 

 

Personally I would make the offer direct to Barclays, around 10% of the outstanding balance, the offer being made on condition that the remaining balance is not to be sold or assigned or collection to any 3rd party.

If this debt is on your credit reference files the offer is also conditional upon the file being marked as settled.

No payment should be made to any party until you have a written agreement in your hand.

[Crux83]

Hi troopers....and thanks for the quick response.

 

what we are saying here is write a letter and make an offer of say around £120 as full and final settlement(affordable)

and mention that a substantial part of the debt includes default charges?

 

Or are these 2 separate letters I should write?

 

Is there anywhere I could find template letters for inspiration?

 

I'd like to determine the tone of the letter as well as what exactly should be highlighted.

 

Also...do I send the letter to the P.O Box addy stated at the top of the statement?

 

The debt doesn't appear on my noddle report but I'm sure its on file somewhere in the corporate world.

 

You guys rock!

[SabreSheep]

1) Subject access request Barclays - Ask for everything - Sugn it and send a £10 cheque/postal order (Keep receipts etc)

2) CCA request Barclays - crossed postal order £1

3) Communicate via recorded delivery letters only. Take a copy and scan it in with prrof of postage and delivery attached.

4) read this thread

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?309037-Charges-older-than-6-years-***WON***-Compound-Int-t-and-**NO-SET-OFF**/page4

[Crux83]

Cheers for that @Sabresheep. I have downloaded those pdf's( SAR and CCA) and will look at getting them sent off by morning. If I may ask.. what is the purpose of the SAR? I have a vague idea of the type of information it may hold but once I obtain this info what should I do with it?

 

Cheers

[SabreSheep]

Part of the sar is transaction lists.

In most cases BC will simply supply statements instead

 

Use these statments to note Date Reason and amount of any "Non interest charges" such as overlimit fees late peyment fees, returned item fees etc Also look for any PPI

 

CCA also helps to see if you have PPI

[dx100uk]

sounds like wetcloth are trying to spoof you.

 

i'd go get your exerian file

but make SURe you cancel before the 30days.

 

if its not on your credit file

then whats the rush to pay it?

 

what was the debt type by the way.

[dx100uk]

aha Barclaycard.

 

how old?

[Crux83]

@dx100uk i've had this account since the end of 2010.

 

Its only this morning I received the Wescot letter.

 

Is an experian report more detailed than a noddle?

 

@sabresheep thanks for your reply..

 

.I'll get these sorted for morning as I'd like to draw a line under this as soon as possible.

 

I am sure I'll run into many delays though.

 

DO I just ignore Wescot while I am communicating with BC?

[Bazooka Boo]

Yes ignore wetcloths, they can't do anything less for sending silly little missives with big words they found in a dictionary.

 

Deal direct with BC.

 

An experian credit report will be more accurate and up to date, Noddle takes a while to update, although if it's been running for a few months gives a good indication of what is on there.

[Crux83]

Found 2 addresses for barclays.... Registered office: 1 Churchill Place, London E14 5HP

or FREEPOST: RLTA CSUE TCHC

Customer Relations

Barclays Bank Plc

Leicester

LE87 2BB

 

COuld somebody please as advise as to whether the cca and sar requests need to be sent to 1 of these?

 

Thank you

[BRIGADIER2JCS]

Found 2 addresses for barclays.... Registered office: 1 Churchill Place, London E14 5HP

or FREEPOST: RLTA CSUE TCHC

Customer Relations

Barclays Bank Plc

Leicester

LE87 2BB

 

COuld somebody please as advise as to whether the cca and sar requests need to be sent to 1 of these?

 

Thank you

SAR to reg office address to the data controller, CCA to Wescott compliance manager.

[Crux83]

Thanks brigadier! SO no CCA to Barclays? My apologies for all the silly questions its just I was under the impression there was no need to communicate with Wescott?

[SabreSheep]

Wescott are acting as agents therefore CCA should go to bC

 

Use the churchill place address. I would address it to the Company Secretary.

Its then up to them to get the request to the appropriate place.

 

make sure you use head the letter in big bold letters CCA REQUEST and the other SUBJECT ACCESS REQUEST

[dx100uk]

leave the PO for the CCA blank

 

do not sign the letter either

 

SAR, have you moved since you took the card out?

 

dx

[Crux83]

Cheers peeps! All points noted! I have since moved address @dx100uk. I'm off to get these sent recorded delivery. How long till i get a response...roughly?

[dx100uk]

slow down a minute

[dx100uk]

you don't need to use recorded

1st class with free proof of posting will do

when you get the PO's at the counter

 

with the SAR

you will need to add a line detailing your old addresses

 

and include a copy of your current CTAX bill

as proof of present residence

 

sign the SAR.

[Crux83]

OK so don't sign the CCA? I'll have to despatch these tomorrow then if I need to make a few adjustments. Thanks for the heads up.

[Bazooka Boo]

No need to sign CCA correct, however they usually take offence to this and begin dragging their heels claiming they need it to process your request.

 

SAR is always signed yes.

[BRIGADIER2JCS]

Thanks brigadier! SO no CCA to Barclays? My apologies for all the silly questions its just I was under the impression there was no need to communicate with Wescott?

A CC request is sent to the Debt Collection Agency Chasing the Debt, if they cannot produce a compliant agreement/copy the debt cannot be enforced through court action.

[SabreSheep]

Under the new fca regs the DCA (When acting as an agent and not as a debt owner) can comply with your cca request merely by giving you the address of the debt OWNER where you should send your CCA request.

[Crux83]

Hi guys,

Barclays received these documents on the 23/07/14 and

 

I still have not heard anything from them.

 

I have however noticed that they have appointed a new company called BCW to retrieve the outstanding debt.

 

Do you perhaps know how long they normally have to respond to my requests?

 

1 more thing..

 

.. yesterday I accidently transferred some funds from my Natwest business account

to the barclays account in question

and I was wondering how this could affect this situation?

 

Craig

[dx100uk]

just another fake/tame solicitor.

nothing to worry about

 

dx