SA Gold's Diary

[SA Gold]

Hi

Thanks for the welcome (its good to be back )
Barclays didn't put up much of a fight. They wrote back saying we acknowledge we are in default as long as we haven't got the paperwork and that was the last i heard from them!

[Joanna Connolly Solicitors]

i have a clean credit file and the six years have passed is it safe to ever apply for any Barclays products or is it best not to?

Hello

I've taken a look back through your thread and can see you had a Barclays current account, and two Barclaycards (previously Egg) among your debts.

These may be absent from your CRA files but that doesn't mean Barclays don't still have the history in their files. Since they are all Statute Barred it's unlikely they'll start to chase you for them if you awaken your file. However it could mean you're rejected.

Any credit application will show on your CRA file regardless of the outcome, so if that application doesn't result in a new account (recorded on your CRA file) anyone looking at the file might assume a rejection occurred.

I would also suggest you look closely at the Right of Set-Off if you open a Barclays current account (although it's rare) > https://www.stepchange.org/debt-info...of-offset.aspx

You may be accepted, but I thought you should be aware of any potential pitfalls.

Out of curiosity, what has happened with these three Barclays' debts - were they assigned to a debt purchaser or closed? (Sorry if I missed any updated posts on your old thread.)

Di

[The Tech Clerk]

Yes I amazingly found Barclays were not a problem, give it a go! Shoooooooooort Post

[SA Gold]

A very loooooooooooong time no post!
It's been very quiet on the western front thanks to the initial AAD responses - and long may that continue.
Now that i have a clean credit file and the six years have passed is it safe to ever apply for any Barclays products or is it best not to?!
Best wishes to all AAD'ers

[SaltnVinegar]

Hi SA - It's been a while since your last update. How's things going? Any news?

Fingers crossed only 12 months more for you

Best
SnV

[SA Gold]

Have some of your debts now become Statute Barred (although I see you cancelled your DMP in October 2012)?

Di

Hi Di.

All dropped off CRA so thats clean as a whistle now.

Just been back through the diary and i make it September 2012 all payments stopped so September 2018 next goal of SB.

[Joanna Connolly Solicitors]

Doesn't six years fly when you have AAD support
Just wanted to say a big thanks to everyone for helping me (and others) along the way. Cheers!

Have some of your debts now become Statute Barred (although I see you cancelled your DMP in October 2012)?

Di

[greymatter]

Great news. Teamwork and support.

[SA Gold]

Doesn't six years fly when you have AAD support
Just wanted to say a big thanks to everyone for helping me (and others) along the way. Cheers!

[Pixie]

Re: SA Gold's Diary

Basically that they can't provide a copy of the terms.

[Rich330]

Re: Missy's Diary

This you can ignore for now - just keep us updated (obviously cease any and all payments)...

This is the clincher, from their own letter!

[ATTACH]5843[/ATTACH]

As things stand they are correct, this is

cant see this attachment, what did it say???

[SA Gold]

Re: SA Gold's Diary

Niddy advised to CCA Arrow if () they contact me again

[SaltnVinegar]

Re: SA Gold's Diary

Update on Sainsbury's loan.

T&C's received. emailed to Niddy for checking.

[SA Gold]

Re: SA Gold's Diary

Update on Sainsbury's loan.

T&C's received. emailed to Niddy for checking.

[SA Gold]

Re: SA Gold's Diary

Reference numbers quite often change.

I'm not sure about NCO doing the running around for Global. I haven't come across them even though Global have a couple of my accounts.

Fair enough - just thought i would check.

Happy Christmas!