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Is it too late if.....
St0lli
Posts: 594 Forumite
I've just been talking to friend about my debt problems (not the amount tho :eek:) and they opened up and said they were also having some problems regarding an old debt with Barclaycard.
The debt has been passed on to a debt collection agency and my friend has been paying them monthly and has just £150 outstanding.
My question is... is it too late for them to request a CCA as they have been paying the debt (the debt is from years ago)? The total amount the DCA are requesting is the total Barclaycard was owed.
Obviously its quite late in the day but I just wondered if there was anything they could now do to negotiate a F&F
My friend isn't denying the debt but knowing what DCA's pay for these debts it would be nice to negotiate something...
The debt has been passed on to a debt collection agency and my friend has been paying them monthly and has just £150 outstanding.
My question is... is it too late for them to request a CCA as they have been paying the debt (the debt is from years ago)? The total amount the DCA are requesting is the total Barclaycard was owed.
Obviously its quite late in the day but I just wondered if there was anything they could now do to negotiate a F&F
My friend isn't denying the debt but knowing what DCA's pay for these debts it would be nice to negotiate something...
Light Bulb Moment 4th January 2009 :eek:
Started DMP 1st April 2009 :A
DMP mutual support thread member: 267 :j
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Comments
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He can do it no problem.If you've have not made a mistake, you've made nothing0
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Thanks for the quick reply RAS! :T
I've just rang the number and it sounds like Reefbridge? He said he's not got any documentation from them just a phone number and a reference number to quote when he calls them to make monthly payment.
I've searched Reefbridge on here but couldn't find anything.... anyone heard of them?Light Bulb Moment 4th January 2009 :eek:Started DMP 1st April 2009 :ADMP mutual support thread member: 267 :j0 -
Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Yes thats them!! The last two numbers are different but I guess that must be the direct dial number.
What are they like to deal with? Any hints or tips appreciated!Light Bulb Moment 4th January 2009 :eek:Started DMP 1st April 2009 :ADMP mutual support thread member: 267 :j0 -
Just a quick bump for this!
I've searched here and found they aren't the best DCA but just wondered if anyone else had anything to add?
Thank you!
Light Bulb Moment 4th January 2009 :eek:Started DMP 1st April 2009 :ADMP mutual support thread member: 267 :j0 -
If it was me I would be tempted to pay them off and get rid!
(for that amount anyway)
They are a bunch of bar-stewards. :mad:Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
Thanks fermi...Light Bulb Moment 4th January 2009 :eek:Started DMP 1st April 2009 :ADMP mutual support thread member: 267 :j0
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Possibly make a full and final settlement offer.
(i know, i'm cheap).After falling off the gambling wagon (twice): £33,600 (24,000+ 9,600) - Original CC Debt: £7,885.91
Dad Gift 6k ¦ Savings & Inv Tst: £2,500
Loan 10k: £0 ¦ Dad 5.5k: £2,270 ¦ LTSB: £0 ¦ RBS: £0 ¦ Virgin £0 ¦ Egg £0
Total Owed: £2,270 (+6k) 11/08/20110
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