Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Hi all! New to the forum. Can anyone help re barclaycard i don't have!
Hi everyone, don't know if anyone out there may have any advice/ experienced similar but here goes; I received a letter today from a debt company saying;
"your barclaycard account, ref no.** was sold to us on the 14th Dec 07and have appointed ** services to reclaim the debt". The thing is I don't have a barclaycard!
I had a barclaycard 20 years ago and as far as I was aware all the balance was cleared. Can anyone help, I am at my wits end. The balance is for nearly a thousand pounds which I can ill afford. I pride myself in being good with my money, won't even accept an overdraft/credit cards/cheque books etc so I am stunned
Re: Hi all! New to the forum. Can anyone help re barclaycard i don't have!
Simple enough.
Throw this at them and see what they have to say:
Dear Sir/Madam
You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.
I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).
I am/we are familiar with the Office of Fair Trading debt collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.
I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.
Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.
I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.
I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.
I/we look forward to your reply.
Yours faithfully
DON'T use your normal signature, simply print your name at the bottom.
Re: Hi all! New to the forum. Can anyone help re barclaycard i don't have!
Hi Curlyben
Thankyou for your response ~I was thinking lots of tunnels and no lights! I will send letter on Monday. Ps what if they decide I owe this debt from 20 years ago (which I don't) Never had any letters/phone calls 'till today to say I owe this debt. Sorry to sound pathetic but a letter like this through my letterbox really freaks me out.
Thanks again for your practical advice, it's very welcome
Re: Hi all! New to the forum. Can anyone help re barclaycard i don't have!
Well IF they come back with that sort of cobblers, it would be well and truly statute barred anyway and no enforcement action would be possible.
They could ask for payment, but that's it.
Once you point out it's barred then they have to back off.
I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.
Re: Hi all! New to the forum. Can anyone help re barclaycard i don't have!
Originally Posted by tony4321
Hi Curlyben
Thankyou for your response ~I was thinking lots of tunnels and no lights! I will send letter on Monday. Ps what if they decide I owe this debt from 20 years ago (which I don't) Never had any letters/phone calls 'till today to say I owe this debt. Sorry to sound pathetic but a letter like this through my letterbox really freaks me out.
Thanks again for your practical advice, it's very welcome
Help again!
I sent the letter I received on the 28th Dec, on the 2nd Jan saying I don't acknowledge the debt etc - Only thing is I was so stressed out with this and family issues I failed to send the letter by recorded delivery.( please don't say that it serves me right) I have received another letter today telling me as "You have failed to settle your outstanding balance or enter into a payment plan, our client has now instructed us to collect the outstanding monies that you owe. You can either, pay the balance in full or enter into a payment plan. This debt is not going to go away and ignoring this problem could potentially make your situation worse and we therefore strongly recommend you contact us now on the above telephone number."
I will send the letter again by recorded delivery tomorrow but this just makes me think they are not going to let it lie. BTW I switched my mortgage lender on Tuesday who have confirmed was successful in writing and also ran a credit check on me, so this makes me even more confused about this situation. Any support again would be really appreciated
Thank You so much
Re: Hi all! New to the forum. Can anyone help re barclaycard i don't have!
Hi, I'm new here too!
Don't really have anything to ask yet but I am just in the process of coming off my stupid DM plan and handling all my debts myself. A little frightened! But I want to do it-so I've joined you guys for advice and some support if I get a little crazy with it all.
Hope you can help!
Re: Hi all! New to the forum. Can anyone help re barclaycard i don't have!
Hi Kay78
You have definately come to the right place. I have an issue at the moment that I wouldn't have had a clue how to even approach it, never mind deal with it. I have had some great support over the last month from all posters (one in particular has given me some fantastic advice and support- you know who you are, I hope!)
I originally joined another very well known forum and basically got a gob full and lecture that It serves people right for getting into debt in the first place. Thing is I never posted, for one that I was in debt, and two, that person didn't know enough about my situation to comment in such a flippant and unhelpful way. Needless to say I never intend to use that forum again, even though there are some genuinely helpful people on there, it's just not worth getting wound up by a particular individual.
That dosen,t happen here.
All the best to you!
Hi all! New to the forum. Can anyone help re barclaycard i don't have!
/credit cards/cheque books etc so I am stunned
Reply With Quote
Re: Hi all! New to the forum. Can anyone help re barclaycard i don't have!
Originally Posted by tony4321
