need help please with credit card

beathebanker

hi
i had a ppi refund 2 years ago form b-card..i had a 5000 debt and in letter i accepted 7500 the letter said as b-card had debt in first instance any refund wud be used to resolve or restructure this..great i thought.i accepted money as i thought it was cleared as id had card for over 15 years and it had ppi all the time without my knowledge

now a company a year and half later have bought the debt from b-card and i owe the same as before the claim !! threatening court i thought b-card had sorted it

plse help

beathebanker

sorry for text really worried barclaycard sold it to mkrr

-taff

So how much did you actually get back?

Did you get 7,500 and put ti omewhere else or did you get 2,500?

beathebanker

7500...i thought theyd resolved account and given me all excess back i heard nothing till a year and half later

-taff

They gave it all to you and you didn't use it to pay off the credit card then.

-taff

Phone and ask them why they didn't use the redress agasint the debt first?

beathebanker

in there letter they said they would do it..i diodnt know they hadnt

beathebanker

there exact words are i quote from letter
according to our records you have an outstanding debt on your bcard as a result of this any refund due to you will be used in first instance to clear or reduce ( based on amount concerned) the debt position on the acc

i thought theyd done that as id never claimed before

beathebanker

shall i phone them and what do i say

-taff

As I said, phone and ask did they use a part of your redress against your debt

-taff

Also, dig out the paperwork, see if they included a breakdown of how they got the figure originally.

And you'll have a few days grace with a DCA, don't panic just yet.