Barclays Overdraft, dropped off credit report, token payments to Credit Solutions Limited

[schwetta]

Hi, I have a old defaulted o/d with Barclays (dropped off credit report now) and making £2 payment towards Credit Solutions Limited, last payment Aug 22. 

 

I don't have any latest documentation from Barlcays / Credit Solutions Limited but the last known amount is £11,669

 

Sending out a SAR to Barclays and CCA to Credit Solutions Limited seems the right thing to do?

 

Thanks in advance for your time on this!!

 

 

 

 

 

Barclays OD (Credit Solutions Limited) £11,669 
Last Payment: £2 on 6 Aug 2022 to Credit Solutions Limited
Lender – Barclays Bank Plc
Account Type – Current Account (Overdraft)
Status – Defaulted 16 Sep 2012
Account Start Date – (not sure but 2010-2011 somewhere)

[unclebulgaria67]

Yes SAR both.

 

Appears to be quite a high overdraft amount, so presumably lots of fees and interest added. Hopefully the SAR will reveal this information.

 

 

[schwetta]

ok, understood - thank you!

 

I'm assuming this means send a CCA request AS WELL to Credit Solutions Limited? Or leave that out for now?

[dx100uk]

You cant cca an od.

Who are csl's stated client?

Pers id just stop paying.

As long as youve not moved .

 

See where it goes.

 

As the other OD's you have.

 

Dx

[schwetta]

riiiight, that really sinks in, no CCAs on O/Ds. thank you so much Dx!!

[schwetta]

Cancelled token payment and sent through a SAR to Barclays today.

[schwetta]

Got a SAR package from Barclays, which shows a few letters:

 

 - Apr 2011, O/D issued with £8,000 limit

 - May 2011 limit increased to £13,000,

 - 30 Aug 2012 a notice that o/d has gone over its limit by £144.73 to £13144.73, and

 - 17 Sep 2012 a notice of termination with £13,433.09 balance

 

There was no PPI on the account, and bank statements for the three year duration of the account. 

 

Not sure what I could do with this information??

 

Would appreciate any input into this please - of course the token payment is cancelled so expect some communication in the next few weeks on that front as well...

 

[dx100uk]

let it run see who pokes their nose out.