broke dave v Barclaycard or possibly the other way round?
Originally posted on the Barclaysforum, but advised it maybe better on here.
I have received a letter from a company called mackenzie hall of Kilmarnock.
They are chasing a debt of £350 on behalf of Lowell Portfolio 1 Ltd. Having never heard of this company I rang mh to find out what all this was about.
They informed me that it was a Barclaycard debt which defaulted in October 1997. A couple of things at this point:
1. I did not have a barclaycard in 1997.
2. I was not banking with Barclays in 1997.
3. I did have a student account with them and a barclaycard way back in 1988. This account was closed in January 1989 when they received my grant cheque. They paid of my debts and took my cards off me. I remember this happening because it left me with just a couple of hundred pounds to live on for the rest of that term. The Bank Manager at the time thought this was highly amusing.
4. The only other time I have had a Barclays account was a couple of years ago when I approached them for a business loan. This account did not come with a barclaycard.
Questions:
1. Has anyone heard of either of these 2 companies?
2. Has anyone else been chased for a debt going back 10 to 20 years?
3. If, in fact, this debt does go back to January 1989 why has it taken so long to come to light? Why did it take 8 years and 9 months to go into default?
The nice lady at mh has suggested that it might be credit card fraud. If this is the case, why have I not heard anything from Barclays between 1997 and now? In fact I have never heard anything from Barclays.
Should I report it to the police or just fight them on my own?
Sorry to ramble on. Any ideas anyone??
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Re: broke dave v Barclaycard or possibly the other way round?
. No worries, thet can't use a copy of the 
.
