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  • #16
    Re: Barclaycard - markers and contact

    Originally posted by malamute View Post
    OMG!!! Letter this morning from Barclaycard, they writing to say that my hubby Barclaycard should've been defaulted 29th September 2008.
    letter has a formal demand from barclaycard included!

    they will update his file with a default dated 29th sept 2008 a defaulted balance of £6082.91, before registering it they'll give him 28 days of their intention to do so.


    its statute barred in February this year...........

    shocked!

    letter outta blue not heard on this account since may 2008!
    are these dates correct ?
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

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    • #17
      Re: Barclaycard - markers and contact

      Well our records show last payment in feb 08 so if 1 starts in march 08 I guess the 6 is September 08 but in terms of 29th I don't know.

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      • #18
        Re: Barclaycard - markers and contact

        Barclays have seen the light on these AP markers and are actually doing the right thing. The first bank that seems to be doing this.

        That said this is the first time I have seen them do it on their own accord as its usually after a consumer complaint.

        One would suspect it is the prelude to a flurry of activity or getting sold on. Its quite obvious the conditions are now right for the banks to start unloading debt that was just kept on the banks book just to look like an asset.

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        • #19
          Re: Barclaycard - markers and contact

          Other users have posted today after receiving similar letters.

          I'm expecting one because they hadn't defaulted mine the last time I checked my credit file in January 2011
          Let your smile change the world but don't let the world change your smile

          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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          • #20
            Re: Barclaycard - markers and contact

            If you last paid in February 08 then they have probably applied the default within the time scale ...even if they appear to have left it to the very last day
            Let your smile change the world but don't let the world change your smile

            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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            • #21
              Re: Barclaycard - markers and contact

              Ok, so do I write or ignore? I'm trying to re check my statute barred date..... Not had a statute barred account before not really sure now

              Comment

              • #22
                Re: Barclaycard - markers and contact

                I would ignore.

                EDIT: just seen that it's post 2007 so best not to ignore. Have you ever sent a cca request for this (even though it's post 2007)? If you haven't then I would send one asap. Hopefully it will buy you enough time for the debt to reach SB.
                Let your smile change the world but don't let the world change your smile

                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                • #23
                  Re: Barclaycard - markers and contact

                  When I started this process it was august 2011 and I'd not heard from Barclaycard since may 08 so not sent a CCA request on this, you think I should then?

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                  • #24
                    Re: Barclaycard - markers and contact

                    CCA Request perpared - BUT!!!!

                    What happens if they set the £1 against the debt - it'll restart the clock....

                    Thanks!!

                    Comment

                    • #25
                      Re: Barclaycard - markers and contact

                      It specifically says in the cca request that the £1 is not to be used for any purpose other than as the statutory fee for a cca request. If they use the £1 as payment against the debt we'll sort it out for you.
                      Let your smile change the world but don't let the world change your smile

                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                      • #26
                        Re: Barclaycard - markers and contact

                        Originally posted by malamute View Post

                        What happens if they set the £1 against the debt - it'll restart the clock....!
                        no it does not - don't worry about such things.
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                        • #27
                          Re: Barclaycard - markers and contact

                          Originally posted by Pixie View Post
                          It specifically says in the cca request that the £1 is not to be used for any purpose other than as the statutory fee for a cca request. If they use the £1 as payment against the debt we'll sort it out for you.
                          Phew!! Thanks... I've noticed on other accounts that I have had my £1 refunded onto the "debt" but glad it can be sorted if they do!

                          Sending CCA request today.

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                          • #28
                            Re: Barclaycard - markers and contact

                            Originally posted by Never-In-Doubt View Post
                            no it does not - don't worry about such things.
                            Thank you for the reassurance.

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                            • #29
                              Re: Barclaycard - markers and contact

                              Ok!

                              got a letter from barclaycard

                              "I enclose a reconstituted copy of your credit agreement together with a copy of the terms of your credit agreement as varied in accordance with section 82(1) of the act.

                              We know that your account is not in dispute because any delay in providing your copy document as section section 78(6)(b) was repealed on 31st May 2008"

                              letter also confirms that that the debt has not been reassigned.

                              ive never had one of these no no clue what to do next BUT statute barred by end of March 2014 given default will be 28th sept 2008 and no payment made since account was marked late 6 months prior to the default date they now record.

                              checked and account was opened Nov 2007.

                              Worried now......
                              Last edited by malamute; 18 February 2014, 18:22.

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                              • #30
                                Re: Barclaycard - markers and contact

                                Reading up on other posts - should i send an Subject Access Request to Barclaycard? Would this buy me sometime and also confirm when the last payment was actually made?

                                Thanks in advance!

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