MKRR [MKDP chasing old Barclaycard 'debt - Statute Barred Boo Boo

[renegadeimp]

Get them to prove the payment was made and you paid it.

 

Many dcas border on fraud/obtaining money by deception by claiming a payment was made when in fact they made it up.

[sh1974]

I thought that as well, which is why I checked my bank statements.

 

I'm 100% the payment they are referring to will be from Gregory Pennington

and they will be able to prove it.

I just wasn't aware of it.

 

 

My fault for not checking statements from GP properly but at the same time,

it was my belief they were not paying money to Barclaycard due to a lack of agreement.

 

 

I'm hacked off that they were sending token £5 payments each month.

[dx100uk]

have you on this debt [and all your others ] sent a CCA request?

 

 

dx

[dx100uk]

several threads merged for history

please keep to one thread per debt

 

 

 

 

dx

[citizenB]

Check with GP that they did make this payment.

 

It seems very strange indeed that in 2007 they were refusing to accept the DMP, but have suddenly discovered that in 2009 1 x payment was made ?

 

If they took no further payments after that, I guess it could be argued that having refused the original offer you withdrew them from the programme and the payment wasn't sanctioned by you.

 

If however, more than one payment was made, I think you might be stuffed with regard to SB.

[slick132]

Hi Sh,

 

If the £5 pay't was made on your behalf by GP, then you are stuck with this NOT being SB'd until June 2015 and maybe a bit later, depending on the default date.

 

If a repayment plan was in place, I don't know how or why BC were continuing to add interest and/or penalties. I would have thought GP would have sought a freeze on these. If this didn't happen and interest continued to be added when you were making token (or no) repayments, this may be challengeable using COBS.

 

In any event, any penalty charges on the a/c, from whatever old dates, can and should be reclaimed in full + restitutionary compound interest.

 

Do you have all old a/c statements for the a/c, to check for penalty charges.

 

As DX says, a CCA request should be sent to MKRR.