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DMP and Barclaycard.

Hi I've just joined this forum as I need a bit of advice and a general moan :)

I started a DMP with Payplan in 2007 and at that time I had two Egg credit cards. The cards were then taken over by Barclaycard but I have never dealt with them directly. Last week I was contacted by Playplan to do my Annual Review and I emailed them to say that as my plan was due to finish in March I wanted to leave my payment as it is as I really cannot afford to pay anymore. They replied that they would get final balances from my creditors as I only had 3 payments left. Yesterday I got an automated email from Payplan with the attached balances for me to "check through" before they sent the offers to the creditors. Well last week I owed Barclaycard £400 and now apparently I owe them £1900!! How can this be possible? I did claim PPI on the other Egg card 2 years ago (this one was turned down by the Ombudsman) and I received enough money to clear the debt. It seems to me now like they've just added that payment back onto the other card!


I'm gutted. I've been really struggling this past couple of months and I'm dreading Christmas but the thought that I only had 3 more payments kept me going. Now I find out I have another year of this, and that's assuming that they don't keep whacking another grand on every time I nearly clear it. I don't know what to do now, I don't even know how to contact Barclaycard as I've never had any paperwork from them. Thanks for reading if you got this far. :(
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Comments

  • sourcrates
    sourcrates Posts: 31,944 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    edited 16 November 2014 at 1:53PM
    Hi,
    Welcome to the forum :hello:

    Ok, so you have one debt outstanding , which you thought was £400, but turns out to be £1900, correct ?

    What made you think it was £400 ?
    You need to ask Barclaycard for a complete breakdown of all payments made, and any charges, interest etc that have been added.
    I suggest you phone payplan tomorrow, ask for the relevant account numbers, if you don't have them, then put all this in writing to BC, and demand answers to your questions.

    They cant simply add paid out PPI claims back to a totally different account, however, they could of used there right of offset against any other debt you owed them, but as you received the payout, it looks like this did not happen.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • spot3
    spot3 Posts: 101 Forumite
    Debt-free and Proud!
    You might be able to speak to someone at Barclaycard on this number 0800 161 5246.

    it wouldn't be something silly like not telling Payplan you'd cleared the other debt would it?
    SPC8 #444 Target £200
  • Hi, sorry no to clarify I have got other debts, it's just this one that was so wrong. When I logged on to my Payplan account last week my outstanding debt was approx. £800 with £400 of that being the Barclaycard. Last night when I logged on the outstanding debt had changed to £2800, £1900 of which was the Barclaycard.

    Barclaycard did off-set the PPI to pay off the other card, that has now gone from my plan and the account closed.

    Thanks for replies :)
  • The mistake you have made is going on the balances on the Payplan site. The figures on Payplan assume that no interest is being paid and has not taken into account the interest being applied by Sharkleycard. It is always better to update Payplan with the figures from the creditor. I appreciate this is no help to your current plight but it may explan the differences in figures.
  • Puzzcat
    Puzzcat Posts: 4,200 Forumite
    Bettingmad wrote: »
    The mistake you have made is going on the balances on the Payplan site. The figures on Payplan assume that no interest is being paid and has not taken into account the interest being applied by Sharkleycard. It is always better to update Payplan with the figures from the creditor. I appreciate this is no help to your current plight but it may explan the differences in figures.

    Exactly this. BC have been charging you interest like they charge most of us on dmp's. It is the same with stepchange you have to check your statements, credit file (noddle is free) or call them for up to date balances and update the figures on your dmp provider account.
    Christmas 2020 £109
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    £60062/25384.84 - 13222.60k UE

    MY DIARY
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
  • Thanks, that must be what it is. I just assumed that Payplan had the correct information. The other card that got paid with the PPI can't have had interest on it because the amount that paid it off was exactly what it said on Payplan. Oh well I suppose it's just tough, I'll have to carry on paying. I am going to contact Payplan though cos I think they should have told me that I should request balances myself, I kind of just assumed they'd taken over! Stupid question- if I ring Barclaycard and give them my original Egg card number will they be able to find the account?
  • They should be able to tell you which account is which. I am surprised that you don't get statements from BC, have you moved and not told them?

    I have 2 accounts with BC as well, one of which is a former egg card. The egg is not charged interest but the original BC charges 6.9%.
  • Hi, no I've never had anything from them, I haven't moved for nearly 12 years. I'm a bit cross cos I never even took out a Barclaycard and now I'm subject to whatever their rules are. Can't wait to get it all paid and sack off the lot of em! ;)
  • Firstly it is likely that they will not be able to produce an enforceable credit agreement as egg were hopeless at this. So they probably can't enforce the debt legally, assuming the original account was opened before 2007. The first thing you should do is do a CCA request.

    Assuming they fail to come up with the correct paperwork (look into this carefully as they will try to trick you), you are well within your rights to stop paying, pending the correct paperwork.

    You then might be in a good position to offer them the £400 as a full and final, a few months down the line.

    If you want the interest stopped, the best way is probably to not be able to afford the payments any more and save any spare cash you have in a savings account. The less you pay monthly, the more likely they are to stop interest. They are, after all, trying to keep you in debt for as long as they can and generally destroy your life.
  • Wow thanks for that! I've emailed Payplan (a bit of an emotional email if I'm being honest) it's difficult to phone them as they only really operate in working hours and I aren't going to sit at work talking on the phone about my debt problem lol! I'll see what they say and if they won't contact Barclaycard I'll ring them myself and ask what's going on. I think I'm being dramatic when I think they're ruining my life but I made a few bad financial decisions in my early 20's and I'm now approaching my mid 30's and am still paying for them. I can't move house or buy a car or change my job and it's getting me down now :(
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