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  • #1

    Barclays Credit Card and Overdraft

    Hello

    I find myself in debt and would like to know where to start.

    I have a Barclaycard which I owe £1500 on and also a Barclays account which i'm getting threaten about being taken to court as my balance is -£1750!

    I used to use my Barclays account, with a £1200 overdraft, but going into a stupid situation regarding PDL (I know, i'm an idiot)

    I had to open a new account for my wages to go in as, basically, the PDL people where just taking from my account. I'd asked them not too and this was then leaving me in more trouble as i was having no money for essential bills etc.

    This is my own fault, i'm not trying to hide, i just need to know what i should do, and start.

    I'm not interested in the PDL for now, I want to sort this Barclays account and Barclaycard.

    I've read about asking for a CCA but is this just for the Barclaycard, or my account too?
    If i am requesting these details, do i go straight to Barclays or to the 'people who've bought the debt'?

    Thanks.
    Tags: act, action, address, april, barclaycard, barclays, bills, blunder, card, cca, cca request, charges, chasing, con, court, credit, credit card, data, debt, details, information, legal, money, overdraft, overdrafts, pdl, reclaim, regulations, ue diary, unenforceability, unenforceable, wages
  • #2
    Re: Where to post this!

    Overdrafts aren't covered by the usual cca regulations but you can still send a cca request. Have a look at this thread Overdrafts - CCA Information - allaboutFORUMS

    As for your Barclaycard, a lot depends on when it was taken out...before April 2007 to have any chance of possibly being unenforceable.

    If it was prior to April 2007 you can send a cca request to whoever is chasing you for the debt at the moment. Even if it was taken out after April 2007 you can try and blag it by sending a cca request.

    You could start a UE diary Unenforceability Diaries - Read me First! - allaboutFORUMS
    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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    • #3
      Re: Where to post this!

      Cheers

      How do you mean 'blag it' though?

      Do you just mean request it and hope they've made a mistake on it?

      Would you say the priority is to get the Barclays Account sorted first? They can take the more drastic legal action can't they?

      Comment

      • #4
        Re: Where to post this!

        Thanks so much, patience of a saint dealing with people like me ha!

        I'll get round to it asap, not sure when my CC was taken out though

        Comment

        • #5
          Re: Where to post this!

          Originally posted by JoeK210185 View Post
          I'll get round to it asap, not sure when my CC was taken out though
          I wouldn't worry; Barclays probably don't know either
          Good luck and get the diary going
          When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


          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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          • #6
            Re: Barclays Credit Card and Overdraft

            Barclays didn't keep old agreements did they. They archived to iron mountain for 3 years usually then the data wiped.

            The IM blunder also wiped a lot out I'd suspect
            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

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            • #7
              Barclays Contact

              Hello

              I need to send a CCA to barclays, but where do i actually send it?

              I'm sorry for the stupid question, I just want to be on the road to being debt free and want to get it right.

              thanks.

              Comment

              • #8
                Re: Barclays Credit Card and Overdraft

                No question is stupid!

                Is that for your Barclaycard?

                I sent my cca request to: Barclaycard PO Box 5402 Northampton NN4 1ZR


                but that was a couple of years ago.


                I also have this stored as a Barclaycard address:
                Barclaycard
                1234 Pavilion Drive
                Northampton, NN4 1SG


                Make sure you send your cca request recorded delivery...and sign digitally!
                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.

                Comment

                • #9
                  Re: Barclays Credit Card and Overdraft

                  Apologies for opening a new thread, didn't realise to keep it here.

                  No its the overdraft one that I want to try for my current account.

                  I've just logged on to it, which is still possible! And I've looked at my statements, £150 in charges have been added for about 3 months too. (£150 a month not total)
                  Would i be entitled to reclaim those?
                  The account has 'payment protection' on it too, is that an avenue?

                  Just so confused where to being.

                  AH thanks for the replies, I didn't see as I was replying myself

                  Comment

                  • #10
                    Re: Barclays Credit Card and Overdraft

                    So guys, where do I send the current account one?

                    Comment

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