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Barclaycard/ I Lowell
Dylanwing
Posts: 2,015 Forumite
in Credit cards
I'll try and be brief - Our finances went belly up in 2000, we had many debts and made arrangements to pay all, except for my OH Barclaycard that had a balance of £5/600. When paying mine, I did mention this a few times, but they were not interested and we didn't push it. Life improved and in 2005 I made settlement of my 2 Barclaycards, and I am pretty sure I offered to settle this small account as well. FF to March 2007 and I Lowell appear in their usual charming manner, OH phones them, and 'agrees' repayments. Fool! We write to Barclaycard to try and clarify if the mistake was ours or theirs. We phone and are told to put it in writing. We have written again, but still no acknowledgement or reply. All we are looking for is clarification regarding the 05 settlement (Was it included, should it have been etc.), and confirmation that debt has not been loaded with charges. All my records were lost when my old PC died.:doh:
Would I be unreasonable in threatening them with the Ombudsman to force some sort of communication out of them? As I say, I am not sure about the debt and just want clarification. Any advice welcomed, and if you think I should shut up and pay up, feel free to tell me! We still owe £405 to I Lowell and are thinking of settling it - Is this wise, or could it be a problem if Barclaycard have mucked up? Anyone dealt with these cowboys and know how willing they would be to take a lower offer??
Thanks :coffee:
Would I be unreasonable in threatening them with the Ombudsman to force some sort of communication out of them? As I say, I am not sure about the debt and just want clarification. Any advice welcomed, and if you think I should shut up and pay up, feel free to tell me! We still owe £405 to I Lowell and are thinking of settling it - Is this wise, or could it be a problem if Barclaycard have mucked up? Anyone dealt with these cowboys and know how willing they would be to take a lower offer??
Thanks :coffee:
0
Comments
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It happens. I got chased by one debt recovery agency after settling the same debt with a different one (this was wayyyy back). As sheer luck would have it, I still had the letter I sent to the old debt company so was in a slightly different position.
Would it appear on your credit report that you settled the two cards in 2005? If so, there may be a clue for this other card (I dunno whether the six years rule lasts after the debt occurred or after settlement).
That's the best I can suggest until the really knowlwdgeable folk come along.... keep all correspondance though, and act 'reasonably' at all times. The trouble is that it sounds quite easy for them to 'prove' that the debt existed but very difficult for you to go about proving that you genuinely don't know if you have paid it or not. Maybe the CAB could advise?0
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