Default with Barclaycard / Egg card

Al1976

I could really use some advice. I have a barclaycard with a current balance of about £80.00. I also recently had a refund from of about £600, they told me they had not provided a proper service. This refund was deducted from my outstanding balance.

The account was originally an Egg Credit Card taken out in 2006 and migrated to a Barclaycard in 2014. I never physically held a barclaycard and suspect I've just been paying an outstanding balance when it was left over from egg.

I defaulted in March 2018 with an outstanding balance of £702.00

I never agreed to have an account with Barclaycard and would like to know if there is anyway I can have this default removed from my credit report.

Thank you

[Deleted User]

No. It's valid.

You agreed to having a Barclaycard account - or indeed any other provider - should the account be sold, when you took out the Egg card.

Al1976

Thank you, barclaycard have confirmed they have nothing in writing or any contract from when it was an Egg account or migrated to a barclaycard.

[Deleted User]

Egg were part of the Barclaycard group were they not from March 2011?

You should have received some sort of notification that it was moving to them

sourcrates

This was a massive mess up by Egg and Barclaycard, back in the day, Egg accounts were transfered over to barclaycard in there hundreds of thousands, but Barclaycard did not always obtain new signed agreements from these existing customers, so the terms and conditions that applied to the Egg card, would not of legally applied to the new Barclaycard accounts they were given, lots were never correctly legally assigned in other words.


Barclaycard will, most likley, not hold any compliant paperwork for these accounts, so will be unable to comply with a section 77/79 request for information, this will not help with any default removal, but may make the outstanding balance unenforcable.

[Deleted User]

Is this one of those genuine times when a request for a CCA would come into play?

sourcrates

Al1976 wrote: »

Thank you, barclaycard have confirmed they have nothing in writing or any contract from when it was an Egg account or migrated to a barclaycard.

!!! wrote: »

Is this one of those genuine times when a request for a CCA would come into play?

I think the above post by Al1976 says it all.

Al1976

So if the refund was for 600.00 on an unenforceable outstanding balance should that amount not have been payable directly to me and not as a contribution to what was outstanding. They also gave me a £75 as a gesture of good will. The default was for £700 and this is what I am more concerned about. Surely an account must be verified before a default can be orchestrated.

[Deleted User]

Do you acknowledge that you stopped payments for whatever reason and owe the money?
From a moral standpoint?

Al1976

Yes, and have repaid what I owe. I stopped payments when I got very ill and other matters overtook.

[Deleted User]

So is the balance from the default owed or not?