Debt passed to calders from barclaycard

hettiecarro

I have just received notification that my barclaycard account has now being dealt with by a company named Calders. Barclaycard informed me a few weeks ago that my debt was due to be sold on.
a couple of questions if anyone can help please:

Will Calders keep appling the same interest rate as Barclaycard or is the debt frozen as it was when they bought it?

Is there any requirement for them to inform me what they paid for the debt?

Has anyone got any idea of the % level I should offer in F & F settlement?

If you wish to know my full situation you can look at my main thread.

Basically I have about 60K worth of unsecured debt and have been making token payments since becoming unemployed due to ill health.

I now have approx £25k to offer to my creditors.

Any advice will be appreciated.

Thank you.

GeorgeUK

If the debt has been sold on to the DCA rather than them acting on behalf of the bank, unless it is stated in the agreement that a 3rd party can do so, they shouldn't be adding any interest or charges.

If the DCA owns the debt, you may be able to offer 25%-50% for F&F. It may depend on the amount of time you've been making payments and the length of time it would take you to pay off the debt at the current rate.

hullight

Could you whip up a document showing all of your creditors, the amount you have to clear your debts, and a calculation to show that they will be getting an amount proportionate to the size of the debt?

Pro rata settlements I think, often used when someone uses equity from a house sale or something to clear debts.