Phone Call From Calders Financial
I’ve just had an interesting phone call from Calders Financial, who are dealing with my Barclaycard accounts on behalf of Barclaycard. The nice Liverpudlian chap that I spoke to was a little offish with me, and almost accused me of lying about my situation regarding what my income and outgoings were.
I confirmed to him that I wasn’t earning much money and that with my outgoings, I was only left with a small amount of money left over to pay my creditors. He scoffed at this somewhat and suggested that he would have to recommend to Barclaycard that they sell the debt on.
This is all idle threats as far as I can see as they have been saying similar thigns for months. He also brought up the threat of having a door step collector sent round to assess my ability to pay. I say bring it on, they can’t do a thing, they have no rights at the property I live in as it’s not my property.
I explained to him that before they do consider selling the debt on, perhaps they should reconsider my offer of full and final settlement which I made towards the end of September. I believe I then re-offered this at the end of October, somewhere in the region of 15% of the balance.
He scoffed at that amount and said the least they would accept would be 70%. I informed him that I thought he was talking complete B.S. as I have already settled one Barclaycard account through Calders Financial for around 30% of the balance outstanding, and that was October, so this is now two months further on and the value of their “so called” asset has reduced as it is further into arrears.
He seemed to get a bit annoyed at this revelation and stated that he would tell me how it works, and that the least they would be able to offer me on a full and final settlement would be 60%. I informed him that I don’t think he has any credibility considering my experience of negotiating with creditors such as Calders Financial and that if it was alright with him I would just continue to play my waiting game.
I wished the guy a happy new year and hung up…no doubt he’s a bit cheesed off that his colleagues are making him look stupid, but that’s not my problem really is it?