I am trying so hard

In_Search_Of_Me

Aww hugs for you. What a tough time for all! Personally if you have money saved I would pay the debt off - your health is the main thing & if the debt is worrying you like this then stress wont help you physically. SPeak to your dad & see what he says...
As for the debts can you get a letter from your consultant confirming that you were hospitalised between x & x with a diagnosis? If so and the debts are settled then in the first instance I would write to the companies involved with a copy of the letter explaining & asking of, in the circumstances, they wil remove the negatives. If not then get a note put on. Someone will post on how - I'm unsure but know you can!
As others have suggested it would be a good idea to get in touch with CCCS for some advice - sometimes companies respond better to them than us mere mortals! They may be trying to pull a fast one if they debt is over 6 yrs old with no paperwork but someone more knowledgabe wil be along soon s I am unsure of the legalities.
Mainly bg hugs for you & hope that things look up soon!

honeyblade

I wish now it was all over..

I just had a good look at the print out of the credit report and realise that there is a £1680 debt to barclaycard that is not even mine it shows up on the report but I have just gone through the paperwork from the DCA and it is not even mentioned only the debt from the card I know about and an agreement to pay that debt.The date of the debt is 2007 it cant be mine because the card had already been stopped.
I have emailed Barclaycard but I think I had better put it in writing does anyone know who I should write to.
Im sorry to be such a nuisance but I feel so alone and overwhelmed.

honeyblade

I had a letter from experian they are going to word this report thing and attach it to my credit report.

I am a bit worried though..HS sent me a card today saying that the want to visit me ..
Why would they want to do that I am paying what the agreed payments are and sometimes extra,why do they want to come here..
I am away a lot of the day working ,the boys are here alone on half termI don't want anyone to frighten them or harrass them..
Why do you think they want to come??
Do I have to let them come in are they going to take stuff I thought they couldn't if I was paying please help

carrottopsuk

honeyblade wrote: »

I wish now it was all over..

I just had a good look at the print out of the credit report and realise that there is a £1680 debt to barclaycard that is not even mine it shows up on the report but I have just gone through the paperwork from the DCA and it is not even mentioned only the debt from the card I know about and an agreement to pay that debt.The date of the debt is 2007 it cant be mine because the card had already been stopped.
I have emailed Barclaycard but I think I had better put it in writing does anyone know who I should write to.
Im sorry to be such a nuisance but I feel so alone and overwhelmed.

From their website

http://www.barclaycard.co.uk/personal-home/customer-service/complaints/index.html

Complaints

Our commitment to you

We're committed to providing you with the best service we can. But sometimes things can go wrong and we don't live up to our promises.

If this happens to you, we want to know. That way, we can put matters right for you and make sure it doesn't happen to another customer in the future.

How to make a complaint

You can contact us by email, telephone, fax, post or in person.

Email

Go to My Account and use the secure email complaint form in the Contact Us section

Telephone

Call us on 0844 811 9111 (call charges info)

Fax

Fax us at 01604 254 152

Post

Write to us at: Barclaycard, Customer Relations Department, 1234 Pavilion Drive, Northampton, NN4 7SG

What you need to provide

Remember to include all of the following information- it will help us to resolve your complaint more quickly:

Your name and address
The relevant Barclaycard account number
Any appropriate reference number
A description of your concern or complaint
Details of what you would like us to do to put things right
A daytime telephone number where we can contact you
What will happen next

We'll do our best to resolve your complaint quickly and with minimum fuss, but if we can't resolve matters straight away, we will:

Send you a written acknowledgement of your complaint within 5 working days
Details of who is handling your complaint and how to contact them. Sometimes this may not be the person who received your complaint but the individual best placed to deal with it
If your complaint is likely to take longer to investigate, we'll keep you informed of progress
We aim to resolve your complaint within four weeks. If we can't, we will send you a written update at that time to explain what is happening and let you know when we expect to complete our investigations.

After eight weeks we'll send you a final response or a further progress report on our investigations.
If you are still not happy:

We hope that we will have resolved the problem by this stage. However, if we haven't, or if you aren't happy with our final response, please contact the person or department that handled your complaint. They will work with you to decide the next course of action.

If this doesn't put things right, you can request a review from the Financial Ombudsman Service. This was set up by the Financial Services Authority to review unresolved complaints from personal customers or business customers with a turnover of under £1 million per annum.

We can confirm if you are eligible to refer your complaint to the Financial Ombudsman Service. Alternatively you can contact them directly at the address below.

Financial Ombudsman Service
South Quay Plaza, 183 Marsh Wall,
London E14 9SR
Telephone: 0845 080 1800
E-mail: enquiries@financial-ombudsman.org.uk
Web site: http://www.financial-ombudsman.org.uk

carrottopsuk

honeyblade wrote: »

I had a letter from experian they are going to word this report thing and attach it to my credit report.

I am a bit worried though..HS sent me a card today saying that the want to visit me ..
Why would they want to do that I am paying what the agreed payments are and sometimes extra,why do they want to come here..
I am away a lot of the day working ,the boys are here alone on half termI don't want anyone to frighten them or harrass them..
Why do you think they want to come??
Do I have to let them come in are they going to take stuff I thought they couldn't if I was paying please help

Did they leave a contact name and address? Can you not ask them why they want to come around.

honeyblade

Thankyou very much for the Barclaycard information ..I have put it in writing and now I can send it off..

I have emailed HS and asked them why they want to come,but thwording on this card was this week and that means it could be tomorrow,I wonder why they want to come I cannot do anymore I am working 18 hours a day 7 days a week Im so tired I cant work anymore.

ald65

Hi Honeyblade

I just wanted to say well done and good luck with the barclaycard letter.

carrottopsuk

If you google HS full name it reveals some interesting entries on them.

Personally i wouldn't let anyone into my home who I hadn't invited especially if I didn't know what their intentions were. Why can't they send you a letter? Do they want to appear more intimidating? Do they want you to sign/agree something whilst they are there? Do they want to see what you own? If it was me, i wouldn't see them alone, frankly I wouldn't see them - I'd ask them to correspond with you in writing instead.

However, I'm no expert, I don't know what to advise you but I would ask people on here for their advise.

carrottopsuk

Bump to see if anyone can advise honey

Barclaycard_Connie

Hi Honeyblade,I work for Barclaycard and have read through your posts - I'm hoping I might be able to help you in some way, I've sent you a personal message. We can at least do some digging to try to get to the bottom of the debt showing on your credit report.ThanksSara