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.
I just checked my credit record. The biggest blemish is from a Student Barclaycard that I last used about 5 years ago, with a limit of £350. I became unable to work in 2003 and got in touch with barclaycard about it; they've lodged a default for £630!
What should I do? The account was opened in Sept 2000, a bit out of the 6-year data retrieval limit (or is it?)
The account was opened in Sept 2000, a bit out of the 6-year data retrieval limit (or is it?)
No the 6 years will start from when you last acknowledged the debt or made a payment, presumably when you last used it 5 years ago. so it still has a year till it is statute barred. When was the default registered?
That's for the default to drop off your credit record. Statute barring is 6 years from your last acknowledge/payment. If default was registered Jan 2004, the date you actually defaulted would have been 3 months before or possibly even earlier.
Thanks. The last correspondence I received from them was a bill around June 2003, after which I wrote to them, and then nothing since. What are my options? As it's not an enormous bill (and at a pinch I could pay off the debt owed minus charges), I'd rather clear it off my record sooner than wait until Feb 2010 (that's the other option, isn't it?)
You could send a Data Protection Act S.A.R - (Subject access request) to find out what charges they have made (assuming you no longer have your statements) and then issue a claim.
1. It will reduce the amount owed
2. It will put the a/c in dispute during which time they cannot pursue debt collection. Not that that will stop them trying
Silly amount of default on credit record
Reply With Quote
