Intrum and old barclaycard debt.

[RussH]

Thanks Andy

 

 

Your reply pretty much confirmed my line of thought. I just wanted to make absolutely sure. I shall continue to ignore them and maintain my payments.

 

 

Thanks again

[AndyOrch]

 

Out of interest are you regularly receiving statements of your payments since 2008 ?

[RussH]

Yes I get an annual statement showing my payments - or at least i used to from 1st Credit.

[dx100uk]

Several old threads merged for history

 

If they had no CCA why have you been blindly paying anything for 10yrs??

[RussH]

I can assure you i havent blindly paid anyone at all.

All the documentation i requested was provided, and this is a debt i fully acknowledge and intend to pay back

- simply on my terms though, not theirs.

[dx100uk]

Did you ever get all the charges reclaimed

And when did you last send a cca request

And to whom

And who said it was enforceable??

 

Rarely are any Barclaycard cca returns so

[RussH]

UPDATE

I received a letter today saying

'Your account has been passed to the Intrum Legal Department' etc etc and i have 10 days to respond to their letter etc etc.

I now think i know why they are suddenly chasing me, sending me loads of letters.

 

Having looked through recent letters they sent me i discovered a letter headed 'Broken Repayment Plan':

stating that i had missed a payment towards my repayment plan,

resulting in its cancellation,

and that i need to get in touch with them within 10 days to reach a solution.

 

I normally pay them on the 25th of each month,

and its true i overlooked the payment that was due on 25th April 2018.

 

Once i realised this i made the payment - it went through on 3rd May.

Their letter to me was dated 4th May.

I have maintained my monthly payments since that one oversight.

 

I know they are receiving my payments as its reflected in the balance in the letters they keep sending me.

 

So here are my queries:

Can they take me to court despite me maintaining my payments?

will they argue that i have broken my repayment plan with that one late payment?

 

Will the next step be a Letter Before Action from Intrum if they are going to take me to court?

 

Many thanks in advance...

Edited July 23, 2018 by dx100uk
spacing.

[dx100uk]

not for one missed payment no..

get that CCa request running!

[RussH]

So i should just continue ignoring their letters and maintaining my repayments?

[dx100uk]

SEND A CCA REQUEST

me thinks you've been cash cowed for years

they never ever had an enforceable agreement in the first place..sorry you got had..