BarclayCard and M+S

[l8onjones]

Re: BarclayCard and M+S

also I have recieved an email from lowell saying they are chasing me for the last remaining debt and they have tried contacting me, but I now believe they are all statue barred so just wondering where do I go from here

[Deepie]

Re: BarclayCard and M+S

also I have recieved an email from lowell saying they are chasing me for the last remaining debt and they have tried contacting me, but I now believe they are all statue barred so just wondering where do I go from here

If you are certain then send this ----> Statute Barred - England (6 years)........Statute Barred - Scotland (5 years)

[l8onjones]

Re: BarclayCard and M+S

Ok I shall now they are all statue barred how can I begin to repair my credit rating? Also before they were statue barred certain things only showed on certain checks e.g experian, noddle why was this?

[vint1954]

Re: BarclayCard and M+S

also I have recieved an email from lowell saying they are chasing me for the last remaining debt and they have tried contacting me, but I now believe they are all statue barred so just wondering where do I go from here

You just need to make sure that your last payment was 6 years ago, or last acknowledgement of the debt was 6 years ago. It has nothing to do with when defaults were issued.

[l8onjones]

Re: BarclayCard and M+S

I think the last payment date was before the default is there anyway I can check this accurately? And if the last payment was before the default which ones do I count from ?

[vint1954]

Re: BarclayCard and M+S

You can check your statement if you still have it. If not the only way to be sure is to request your statements in an SAR request.

The date to use is the last payment or acknowledgement of the debt, such as if you wrote to them saying you were going to sort it out or the like.

[l8onjones]

Re: BarclayCard and M+S

I've checked my bank statement and the last payment was before the default date

[SXGuy]

Re: BarclayCard and M+S

default date has nothing to do with it, the date of the last payment made is what you need. Was THIS more than 6 years ago?

[l8onjones]

Re: BarclayCard and M+S

Yes it was a lot longer than that, I only have one bank account so if a payment was made it would be from there

[vint1954]

Re: BarclayCard and M+S

I've checked my bank statement and the last payment was before the default date

Then 6 years from that date, the last payment

[vint1954]

Re: BarclayCard and M+S

Yes it was a lot longer than that, I only have one bank account so if a payment was made it would be from there

Well, if anyone chases, send them the SB letter

[l8onjones]

Re: BarclayCard and M+S

Brilliant I thought it was from the default date ls even better news, when do they begin to drop off my credit rating? Im
going to be looking to get a mortgage in a few years so want to start as soon as

[SXGuy]

Re: BarclayCard and M+S

drops off your credit file 6 years after default.

statute barred and default are two different things, try not to confuse the two. Its statute barred 6 years from last payment, its removed from your credit file 6 years from default.

[l8onjones]

Re: BarclayCard and M+S

Ah right I see so when the default drops off is that when my credit report begins to recover? Sorry if I sound stupid or ask silly questions but I've never had dealings like this before

[SXGuy]

Re: BarclayCard and M+S

yes thats correct