Can I do this? really old account

[MadWelshWoman]

Back 10 years ago when I was a student I had 2 barclays account plus a barclaycar which incurred horrendous charge due to bad info given by so called student advisor, defaulted on all 3, barclaycard paid back but other 2 account still making pitiful payments to debt collection agency. Question is all this occured before 2000 can I try and make a claim on these or is it not possible now? I'm absolutely gutted this site wasn't out a few years ago otherwise I would have had them for a few thousand really, but now I think I've missed the boat plus I don't have any of my old bank details or anything.

Thanks

Mads

[Robertxc]

Hello Mads, welcome to the forum.

There's a bit of debate about the so-called 6 year time limit. It's a little complicated, but essentially it is a forward looking rule, not a retrospective one. In other words, you have six years to make a claim from when you find out about it, not necessarily from when the charges occured. I must stress that this approach is somewhat experimental at this time, but a good example is the way in which people are suing fag companies for getting them hooked in the fifties. What you need to be able to demonstrate is that they knew their charges were unlawful way back when.

A couple of the moderators, plus some others on the forum are about to put this theory to the test. If you don't feel confident about squaring up to a big bank in a case which we fully expect them to defend in court, and you can stand to wait a while longer, I suggest you keep an eye on the forum and see what transpires over the next couple of months.