Barclaycard Debt - Now with Rob Way/Hoist

[kjw327]

I'm making efforts to address multiple debt issues and this is the next inline. 

I received the attached letter from Rob Way recently offering a discount to pay the account in next 3-6 months. 

I have routinely ignored all letters but would benefit from responding to this in some way or another as the letter is addressed to my new address but I have not told them I moved (I am resolving this with other creditors).

 

Original Creditor - Barclaycard.

Account Opened - October 2014.

Last Paid - June 2017 (approx).

Default - December 2017.

Balance - £6544.

 

A refund of fees that ought not to have been charged was paid to reduce the balance earlier this year.

 

I am not certain as to if I received a Default Notice, Notice of Assignment or anything else.

 

What's my best next step?

 

2020-11-22_Discount Letter -CAG.pdf

[dx100uk]

simply send the change of address letter.

as advised in your other thread.

 

until/unless you receive a letter of claim sit on your hands once a DCA that owns a debt has been informed of an address change.

[kjw327]

Apologies, I misunderstood.  Happy to send the letter to advise of address change.  Thanks again. 

[dx100uk]

actually checking what i said again

you are currently blinding paying a DCA on this debt

they get a CCA request

as that will have your new address on it that obviously negates the need for the address letter for THIS debt.

[kjw327]

This isn't one that has a payment on it. 

[dx100uk]

Thanks for the prompt replies.

 

Details as follows:

 

Me:

Cabot (Next) £1759 (Claim auto stayed in 2019) – old address.

Hoist (Vanquish) £3276 – old address.

Hoist (Barclaycard) £6544 – new address.

Lowell (Cap One) £2724 – old address.

Lowell (Cap One) £1608 – old address.

Cabot (Halifax) £2504 – old address.

PRA (MBNA) £8364 – old address.

Cabot (Zopa) £1424 (Claim discontinued) – old address.

 

Partner:

Cabot (Next) £1915 (Claim auto stayed in 2019) – old address.

Lowell (Vanquish) £3425 – old address.

Hoist (Barclaycard) £2250 – old address and paying £10 per month.

Lowell (Cap One) £4176 – new address and paying £10 per month.

Lowell (Argos) £1636 – new address and paying £10 per month.

 

I have asked her to stop making these payments until we have resolved what our next action should be.

[kjw327]

I see how you have read that.  This is the one in my name for £6544 and last payment was around June 2017 as said in the first post of this thread.  I genuinely misunderstood from earlier and will just post the letters that you advised.  Thanks.

[dx100uk]

ok sure i see there are two bc debts

so they dont need either ?

or are you simply assuming as they have written to your curent address they must know it...which of course is not correct..

 

well done, for the sake of a 2nd class stamp and the new AD letter, it's better to be safe.

fwiw: hoist nor anyone rarely ever get enforceable agreements anyway out of bc as it's never bc's policy to ever provide concrete proof for some reason.

 

 

[kjw327]

I'm not taking anything for granted anymore, I cannot afford to.

 

I am providing CCA's to the ones that are in receipt of £10 per month and will send letters to all others so that I know that I have advised them of the change of address.  12 letters for the post office tomorrow.

 

Good to know about Hoist and BC. 

Edited November 22, 2020 by kjw327

[comebackjimmy]

KJW just to let you knowI assisted a friend with ten debts.  CCA's sent to all ten.  Not one came back with anything useful, 9 came back with nothing one came back with generic T&C's which were rubbish.  He has stopped paying and they are not doing anything and are unable to do anything.

[kjw327]

Thanks CBJ   Fingers crossed for a similar outcome.

[kjw327]

I received the attached reply to my letter that was sent to notify them of my change of address.

 

This is crazy, I merely stated that I was referring to the account number and that my address was........

 

Is this sent to try and trick me to acknowledge something? 

20201203-COA Reply-CAG.pdf

[slick132]

No matter at all. If they can't read a letter and understand what you were telling them, that's their problem !

 

You gave them your new address so, if they use an old address to get a sneaky back door CCJ, you have all the proof you need to have it set-aside.

Edited December 5, 2020 by slick132
"used" to "use"

[dx100uk]

yours is not the next move

 

dx