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  • #1

    It's all gone quiet. What next?

    Hi folks,

    It's been a while since I've been here, basically because it's all gone quiet!

    Barclaycard sold my debt on to First Credit who got in touch around a year ago asking for immediate payment, etc etc.

    A firm unenforceability letter was duly dispatched, and the last I heard, they'd gone back to Barclaycard to request the paperwork Barclaycard clearly do not have.

    As I've not heard back from them, I can only presume Barclaycard have not provided.

    My credit report is currently showing the debt as 'US' - Unknown Status.

    So my question is, is there anything I can do about this? Neither Barclaycard nor First Credit have been in touch for over six months. The debt is apparently unenforceable. They have not issued any new default notices. Is there any chance at all of demanding the debt be wiped from the records? Or is that pushing it a bit too far?

    Thanks in advance!
    Tags: act, con, credit, debt, default, firm, game, letter, niddy, paid, statute, statute barred, stay, unenforceability, unenforceable
  • #2
    Re: It's all gone quiet. What next?

    Great. UE is a game of poker. Stay hidden / quiet. Don't worry. Leave them till they contact you again.
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    • #3
      Re: It's all gone quiet. What next?

      in this game, six months is nothing, we hadn't heard from some of ours for over three years...............

      When will this debt be SB?

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      • #4
        Re: It's all gone quiet. What next?

        Isn't Statute Barred 6 years from the last lender contact? In which case, I've got about 5 and a half to go...

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        • #5
          Re: It's all gone quiet. What next?

          Originally posted by Dadof2 View Post
          Isn't Statute Barred 6 years from the last lender contact? In which case, I've got about 5 and a half to go...
          It's when you last paid anything .......
          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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          • #6
            Re: It's all gone quiet. What next?

            Oh, ok... Well, only 4 and a half years or thereabouts then!

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            • #7
              Re: It's all gone quiet. What next?

              Agree with Mrs D and Niddy - six months is nothing really. I had one with nothing for eighteen months , then wham. Stay down and don't even think about it - or they will hear your thoughts!
              DT

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