Barclaycard / Calder Financial Debt HELP

[mishel02]

I have missed 6 months payments and offered to pay a lower amount this was refused by Barclaycard and they passed my account onto Calder Financial. Who wrote to offer me a lower full and final settlement offer ( no mention of money)

I wrote back offering a low settlement figure but am still waiting to hear. In the meantime I was paid a small bonus from work and on checking my bank today Barclaycard have taken £350 from my account (more than my bonus). I ma so confussed as to what is happening.

I bank with Barclays and I know they can take money but why take money I need without even telling me. The amount they have taken is the same as the arrears on the account so does this mean they are no longer offering me a settlement?

[slick132]

Hi Mishel,

You've become another victim of the bank's Right of Offset, whereby Barclays PLC can take money direct from your bank a/c and use it to make up the missed BC payments.

You can assume that Calders will forget about accepting any F&F settlement now the a/c is back up to date. However, the process will start over again if you miss any more BC pay'ts.

The only way to avoid this is to open a bank a/c elsewhere so BC cannot offset like this again.

Have you reclaimed any penalty charges on the BC account over the last 6 years.

Also, have you suffered any default charges on the bank a/c.