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steve4155
Junior Member
United Kingdom
19 Posts |
 Posted - 27 June 2009 : 11:26:17
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Hi, Barclaycard have not accepted my offer. what should I do next?
help |
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debtfree
Junior Member
United Kingdom
19 Posts |
Posted - 27 June 2009 : 13:38:02
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| did they write to say that they would not accept it, did you send payment with offer letter from site. |
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debtfree
Junior Member
United Kingdom
19 Posts |
Posted - 27 June 2009 : 13:39:08
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| sorry also did you send a cheque and did they cash it, are they the only ones who would not accept plan have others agreed, have you more info on this |
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Jan Lee
Forum Expert
United Kingdom
79 Posts |
Posted - 27 June 2009 : 15:55:36
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Barclaycard are known to be aggressive creditors. I would tell them that you cannot afford anymore, and if they persist in refusing then the only way for you to go is bankrupt and they will get nothing.
In the meantime I would keep on sending your payments. |
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steve4155
Junior Member
United Kingdom
19 Posts |
Posted - 28 June 2009 : 07:46:51
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HI,
I sent payment with the letter, the first acknowledgment I had was the fact the cheque was cashed. The next I heard was Saturday when they said they cannot accept my offer, 4 weeks after I sent it.
With regards the other creditors, 1 has asked for a wage slip and a bank statement, the other 2 have acknowledged receipt of my plan but have not heard anything else. All have cashed the cheques.
Do you suggest I phone or write to them ?
Thanks |
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Joanne
Forum Expert
United Kingdom
193 Posts |
Posted - 28 June 2009 : 08:06:50
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Hi Steve,
I would phone them to get a direct response but speak to the person in charge of the department on your correspondance. I would also keep a telephone log so that you can refer to it in future if needed. |
DIY Debt Management is putting me back in control of my money. |
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debtfree
Junior Member
United Kingdom
19 Posts |
Posted - 28 June 2009 : 18:22:37
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hi Steve,
I spoke to them like advised and kept sending payments It took 2 payments before they agreed to plan. But then they sent a letter asking me to set up a standing order which I did but this site is a fantastic site to help you i dont know what i would have done without there help. thanks girls
:-) |
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debtfree
Junior Member
United Kingdom
19 Posts |
Posted - 28 June 2009 : 18:24:53
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| sorry steve forgot this bit also some departments dont know what the other one is doing there are massive communication gaps, i had a letter from a baliff after I had a plan set upwith egg, when I rang they apologised and spoke to baliffs who then wrote and said they were no longer dealing with my case "apparently i had fallen into the wrong pile"! |
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Joanne
Forum Expert
United Kingdom
193 Posts |
Posted - 28 June 2009 : 18:36:48
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Thanks Debtfree, it's good to get feedback from you guys, especially to know that our advice has been of good use.
Steve, it is definately true with most big companies like Egg, the left arm doesn't know what the right arm is doing! Some employees of these big companies also don't have the initiative of some others so if you manage to talk to someone who actually cares about your situation and helping you, keep hold of their contact details including direct line if possible then you can keep contact with the same person. |
DIY Debt Management is putting me back in control of my money. |
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Jan Lee
Forum Expert
United Kingdom
79 Posts |
Posted - 28 June 2009 : 21:43:39
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In my own experience, none of the call centre staff for the creditors know what they are doing.
They will try to get more money out of you as it earns more money for them.
Refuse to pay anymore - you can't afford it.
It's about time they had better training. |
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steve4155
Junior Member
United Kingdom
19 Posts |
Posted - 29 June 2009 : 07:42:15
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| Thankyou all, I will let you know how I get on !!! |
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Jan Lee
Forum Expert
United Kingdom
79 Posts |
Posted - 29 June 2009 : 16:34:29
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| I'm sure they will agree to it in the end - if they don't do this, your only other recourse is bankruptcy and they would get nothing if you went down that route. |
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steve4155
Junior Member
United Kingdom
19 Posts |
Posted - 05 July 2009 : 11:46:30
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Hi, I sent another letter along with copy of original letter and financial statement, they cashed my cheque but won't accept my offer as a plan but wont give me a reason. what should I do now?
When I call them I just get no explanation other that I need to contact a Debt Management Company which I keep saying I have but they dont seem to accept this website as having a proper managment company?. I explained that It is free service and I would rather pay them the momey rather than a debt company, but again I get no proper answer.... help? |
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Jan Lee
Forum Expert
United Kingdom
79 Posts |
Posted - 05 July 2009 : 12:36:18
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This site isn't really a debt management company, it just helps people to set up a plan on their own, which creditors, hopefully, will accept.
Whilst they are accepting your reduced payments, I would keep sending them.
Write to head office and explain what you are doing and that you are making reduced payments to them every month. Your other creditors have agreed and have not wanted you to use a company.
I would also mention that if they will not agree to the payments then you will have to declare bankruptcy and they will get nothing.
Stick to your guns. |
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steve4155
Junior Member
United Kingdom
19 Posts |
Posted - 20 July 2009 : 00:48:03
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Hi,
I sent another letter stating that my offer was all I could afford, and that my next option would have to bunkrupcy where they would get nothing I also enclosed a 3rd copy of my financial statement and they have refused it again without a speific reason, My last conversation was left that I I can only afford that ammount, they said there was nothing they could do. Yet again I can only speak to the normal collections department not the people who deal with the financial statments etc, What should I do now?, getting worried!
Help.....
Thanks |
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Jan Lee
Forum Expert
United Kingdom
79 Posts |
Posted - 20 July 2009 : 06:40:11
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Keep on sending the amounts you have offered, so that they can see you are willing to pay. Sooner or later Barclays will sell your debt on and hopefully the buyer will be more amenable.
Try writing to Head Office rather than collections and see if that gets you anywhere.
Also point out to them that everyone else has accepted, and if they don't, then the next is bankruptcy and they will get nothing. At least this way you are paying them back in full over a longer time. |
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steve4155
Junior Member
United Kingdom
19 Posts |
Posted - 17 August 2009 : 01:10:29
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Hi again !!
Have sent another letter, this time to head office. Still not had a reply but the last time I spoke to someone they told me I have to go through Consumer credit council service which is a free service like this one, they said if I went through them they could accept anything as little as £5 but wont accept my £40.78. What is the difference if I went through them ? does this effect the negotiations I have already done ?
Thanks again for you continued help and support !!
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Jan Lee
Forum Expert
United Kingdom
79 Posts |
Posted - 17 August 2009 : 12:58:49
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If you use something like CCCS, you are then doing a proper debt management plan, and should put all of your debts through there.
You won't be charged anything as they are funded by the creditors.
A lot of banks insist that you use these.
If you don't wish to, stick to your guns and just send them the payments you can afford.
Don't be bullied into paying what you can't afford, or don't want to do.
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steve4155
Junior Member
United Kingdom
19 Posts |
Posted - 17 August 2009 : 13:59:22
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Thanks,
Do you HAVE to put all debts through the CCCS ?
One paticular credior (Capital One) said because I sent my bank statement to them a week late they cant agree to my plan and I have to wait 3 months before I can apply again ?.... In the meantime the account will go into default and they will take my debt to an external debt collection agency, does this sound right even though I am making token payments of my original offer ? |
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Jan Lee
Forum Expert
United Kingdom
79 Posts |
Posted - 17 August 2009 : 22:44:23
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If you are going to use a company, you should put all of your debts through that company.
I think Capital One are trying it on as well. What a load of rubbish that you have to wait three months! You may find that they will go to an debt collection agency and you will get the same sort of letters from them.
Keep making your payments, send a letter with each one stating that it is all you can afford.
Hopefully, all of your creditors will sell on your debts to another company and usually they are much more amenable to payment plans. |
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steve4155
Junior Member
United Kingdom
19 Posts |
Posted - 21 August 2009 : 20:22:49
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Hi again !!
Really worried about it going to debt collection agency, what do they do ??, is this where the creditor have sold the debt on?, or is this when bailiffs are involved ? If not at what point do bailiffs get involved ?
I a still making regular payments of my original offer ammounts to both of these creditors Barclaycard and Capital One
Thankyou very much (again !)
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Jan Lee
Forum Expert
United Kingdom
79 Posts |
Posted - 21 August 2009 : 20:57:23
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They will all pass their details on to debt collectors, probably Mercers in the case of Barclaycard.
They will basically just try and pressure you into paying more money. It is unlikely that they will call at the house, but not impossible. If they do, you don't have to answer the door. If you do speak to them, just tell them what you are doing.
Barclays may sell the debt on, but I don't know how long it is before they do that.
The bailiffs won't be calling - they need a court order to get into your house.
You can read up on what they can and cannot do here:
http://www.direct.gov.uk/en/MoneyTaxAndBenefits/ManagingDebt/DebtsAndArrears/DG_10034289
Just keep on making the payments - they can at least see that you are making an effort. |
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InDebt4Ever
Starting Member
United Kingdom
2 Posts |
Posted - 04 November 2009 : 17:43:26
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quote:
Originally posted by Jan Lee
They will all pass their details on to debt collectors, probably Mercers in the case of Barclaycard.
I have a debt with Barclaycard (amongst others) and was sent the Mercers route. Mercers is actually owned by Barclays and some of the conversations with seemingly pleasant call centre staff were pressured and chilling, they caused a lot of stress, but some of the operators did at least try to offer advice such as going to the CCCS.
Unfortunately I couldn't meet their payments and was eventually sold on to another company. You can tell when this is about to happen by the sudden lack of letters and phone calls. My partner was sent through Mercers and ended up with a totally different debt management company to me. The positive thing was that the high pressure tactics ceased and we were able to agree realistic repayment amounts and I now have a plan in place.
As Jan said, the people at Mercers are on commission and you are, I am afraid at the stage where they are shaking you for every penny. Stand firm. Keep making token payments if you can every month. Do not be afraid, no matter what they tell you, if you make token payments it is much harder for the companies to go to court and, as long as you pay, the worst that can happen is a CCJ or if they are really nasty, a charging order (which sounds much worse than it is, honestly).
Base your offers to all your creditors on pro-rata payments (your non-essential money each month divided proportionally amongst your creditors).
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Talk To Your Credits Do Not Give IN |
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Jan Lee
Forum Expert
United Kingdom
79 Posts |
Posted - 04 November 2009 : 18:34:45
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Excellent post.
My Barclaycard debt was eventually sold on to Max Recovery who have been very good.
Mercers have to be one of the worst creditors for bullying.
The best thing to do is to not let them get to you. |
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barclaycard
