Barclaycard credit card

by Crr8 Sat Mar 13, 2021 12:01 am

Hi guys, Newbie here seeking some advice. Smile

I have several credit card debts but unfortunately I've already been making payments (only token payments so far). Is it still possible for me to discharge the debts using the GOODF process? Or does making payments mean that I've accepted liability for the debts? I wish I'd found this all out before I started making the payments - if I'd known I never would have started payments.

Most of my CC debts have been sold to debt collectors now, barr one. And I also have an overdraft debt that i've been making token payments to which hasn't yet been sold.

For one of the cc debts that was sold sometime last year, I haven't made any payments to the debt purchaser as yet and just ignored the letters (but I did make payments to the original creditor up until the debt was sold). However, I have been making monthly token payments on all my other debts apart from this one.

Any advice would be greatly appreciated!?!! I just wish I'd found this info and amazing forum sooner. Embarassed

by **daveiron** Sat Mar 13, 2021 9:45 am

Welcome Crr8,

Before you start please read this first;https://goodf.forumotion.com/t4129-please-read-this-first
Its important that you understand how debt works,(its not how you think it does).
You will get help here if you are prepared to put in some effort yourself. It does
no one any good to just copy and send templates .Once you start to comprehend
you can then decide whether you want to start with one debt first or more.
Its your choice.
If you deal with more than one at a time ,its important that you make a different
thread for each one.Its also vital you keep your paperwork in good order.
Also and i dont want to ramble on but please answer all questions asked
fully (leaveing out anything that IDs you)

by Mrblue2015 Sat Mar 13, 2021 11:31 am

I couldn’t have posted a better reply or provided better guidance, thanks DaveIron.

by Crr8 Sat Mar 13, 2021 4:30 pm

Thank you for your responses. I had actually read the "Read First" section prior to posting. But I'm glad you prompted me to re-read it as I've gone through it all again today and done some more research which has helped me understand more and solidify more of the information in my mind. I guess I was seeking reassurance as this information is all completely counterintuitive to the brainwashing I've had all my life.

It is mentioned in the "Read First" section that "so long as you NEVER pay so much as a penny towards any alleged debt, then the longest it will take for the alleged debt to become no longer legally enforceable is six years". What confused me is that John Witterick also explained in the introduction in his PDF book how when you agree to pay a Pound a month you have been tricked into a contract with a debt collector. He said the same in the documentary I watched named "Strawman - The Nature of the Cage", where he explained that now you have to pay them the amount cos you've contracted with them.

However, after re-studying everything today I have come to the realisation that in spite of me being tricked into making token payments, a lawfully binding contract doesn't exist. What exists is an unenforceable unilateral contract. Which is not a valid, bilateral, agreement - since the four requirements of a lawful, binding contract were not met on the Credit Card application.

Therefore, if they do try to use the fact I've already been making payments against me, then I can say that those payments were made in error and without full disclosure. And that now I have information that I was previously unaware of which they failed to disclose.

I think I will start with one debt first and see how I get on before starting on the others. I'm feeling very empowered now! Smile

by **daveiron** Sat Mar 13, 2021 5:02 pm

Great response, If i may suggest you start with one that has been sold to
a debt purchaser and start here;https://goodf.forumotion.com/t1131-new-3-letters-for-debt-purchasers

Also take a look at the Notice of Conditional Acceptance (dont use it yet)
but it will give an idea why you are asking for certain info.

Also only ever correspond via Royal Mail ,and never to a PO box.

by Crr8 Sat Mar 13, 2021 8:02 pm

Thanks mate. Yeah I'll start with a sold debt and just send the Debt purchaser letters. So I won't need to also send the letters to the Original Lender for that one?

Thanks for the advice. I'll take a read of the Notice and ensure I correspond via Royal Mail only.

by **daveiron** Sat Mar 13, 2021 9:06 pm

Always a good idea to send a Subject Access Request to the Original
lender.

'Please supply any and all data you hold for (your name and address)
for alleged account '

Remember from now on its an 'alleged debt'

by Crr8 Sat Mar 13, 2021 10:59 pm

Awesome! Yes it's always alleged debt. Thank you kindly - I shall send Subject Access Request to OL. I'll keep the forum updated of my results. Barclaycard credit card 1f60e

by Mrblue2015 Sun Mar 14, 2021 9:07 am

Hi Crr8, thank you for taking the time to read the process correctly, very refreshing as not everyone does and thinks GOODF is a quick fix (far from it haha). BUT it works I can assure you...

The context to the point I was making about not paying a penny and / or not admitting their is a debt was purely statute barred which is six months from the date the original default was received from the Original Creditor (OC). So if, say, you were making ‘contributions’ for the first year after the default date then stopped making payments, you’d still have six years left till statute barred ie now SEVEN in tot, if that makes sense?

It’s never too late to start the GOODF process (so long as you haven’t ended up in court or with a CCJ). And if, in response to your first GOODF template letter, they say something along the lines of “you have been making contributions” you simply ignore that point and stick to the template letters. Wink

by Mrblue2015 Sun Mar 14, 2021 9:39 am

Also and as a gentle reminder. Please can you create on separate NEW thread per cc or loan you are tackling eg:

<name of OC or DP> loan for one thread
<name of OC or DP> credit card for another thread

Etc...

Otherwise you will, without realising, make our lives very difficult mixing them up Smile

by Crr8 Sun Mar 14, 2021 2:52 pm

Thanks Mrblue2015,

Sure no problemo, I'll create separate threads for each alleged debt. Thanks for the clarification, that makes sense. Good to know that it's never too late. At the end of the day we don't know until we gain the awareness and fraud is fraud nevertheless!

by Mrblue2015 Sun Mar 14, 2021 3:46 pm

Thank you.

You can of course simply rename this post from:

What if I've already started making payments on CC debts?

To something now (in hindsight) more relevant to this post and create any more you need to Smile

by Mrblue2015 Mon Mar 15, 2021 5:28 am

Good morning Crr8.

I see you have renamed this post. Which post did you intend for this post to relate to out of all of your various loan and / or credit card debts? Please rename it to relate to one of your debts as advised further up (I provided the format).

So if, for example, you have an alleged debt for a credit card with Barclaycard, call it:

Barclaycard credit card

The name of the post you have not used is not acceptable, apologies that you’ll have to rename it again but as I say, I did provide the format Smile

Thank you.

by Crr8 Mon Mar 15, 2021 10:12 am

Ah I was under the impression you meant for me to specify OC/DP names for titles of my future threads - as I have written this thread more generalised without specifying. I guess I could pick a name out of a hat for this thread as it refers to all alleged debts (which are many LOL) and I am yet to choose which one to start the process on. But since you mention Barclycard, they are actually one of the alleged debts - so I'm happy to re-title to that one?

by Mrblue2015 Mon Mar 15, 2021 10:25 am

Yes please, can rename this thread to Barclaycard credit card. And then if you need to discuss another alleged debt (i.e. another loan or credit card) for another Original Creditor (OC) or Debt Purchaser (DP) then please create a brand new thread respectively for those Smile

We sometimes have people who try to tell about about >1 alleged debt in the SAME thread and it becomes impossible for us to support... And as you started off by saying you had multiple credit cards, wanted to make sure you knew we can't help you with multiple types of debt in the same thread.

by Crr8 Mon Mar 15, 2021 10:39 am

Yeah that's understandable, and thanks I will do no problemo Smile

by Mrblue2015 Mon Mar 15, 2021 11:22 am

Thank you and well done Smile

So to be clear and before I ask you any more questions.

Who is asking you to make payments for this alleged debt? Barclaycard? A DCA on behalf of Barclaycard, and if so, what is their name?

Or has Barclaycard now sold the debt to a Debt Purchaser and if so, what is their name?

by Crr8 Mon Mar 15, 2021 11:43 am

It's been sold to a Debt Purchaser called PRA Group

by Mrblue2015 Mon Mar 15, 2021 5:20 pm

OK so definitely follow the advice of Daveiron in the above two posts

Sat Mar 13, 2021 5:02 pm

Sat Mar 13, 2021 9:06 pm

by Crr8 Mon Mar 15, 2021 7:55 pm

Thanks I sure will Smile

by **assassin** Tue Mar 16, 2021 3:58 pm

Is that Pr*cks Requiring Absolution?

by Mrblue2015 Tue Mar 16, 2021 4:43 pm

That's it assassin Laughing

But be careful now... You might offend the lovely 'Clarissa' and she might stop writing to Daveiron!! Wink

But between you and me, don't tell daveiron as it might break his heart. I think she's a robot...

by **daveiron** Tue Mar 16, 2021 4:50 pm

Too late mate,already seen it. (two timing bitch)
Just looked at my records ,its 4years since she started writing to me
and she is no closer to getting anything now than she was then

by Mrblue2015 Tue Mar 16, 2021 5:05 pm

Oh mate, some people would call that a tease! Laughing

by **assassin** Tue Mar 16, 2021 5:11 pm

Don't worry Mrblue, we wont be buying new hats.

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