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Since last September I have been pursued by various DCA's with regards to a debt against Barclays Bank. The debt relates to an outstanding overdraft in the the region of £7000. This was left to me when my business partner went bankrupt and our business folded.
I wrote to Debt Managers asking for a copy of the CCA, (I know this isn't relevant to an overdraft but thought I would sent it anyway). The letter was sent on 25/04/09. On 06/05/09 I recieved a letter back saying that they had been unable to obtain a copy from their client (Barclays) and their file had been closed and returned back to Barclays.
Since then I have heard nothing. the debt is still showing as a default on me credit file.
I would like advice as to whether you think I should let sleeping dogs lie or to contact Barclays and try and draw the matter to a conclusion.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
..... in which case, I don't know why Debt Managers returned it so quickly.
With a credit card or a bank loan a/c, there are v strict rules about the doc'ts needed to make the debt enforceable.
But with a bank o/d, there is normally very little in the way of paperwork and I suspect the bank, or a DCA, will come back about this quite soon, to collect what's due.
If this was a joint business a/c relating to a partnership (and not a Limited Co.), the bank will chase you for the whole debt.
You should use this quiet time to work out your best moves - I doubt they'll remain quiet for long.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
I am also surprised too. I am aware that I am liable for the full debt, and it was a partnership. Although on any correspondance, including statements from Barclays it was only ever addressed to my partner and never to me. In view of this I am thinking that Barclays may have messed up on the administration of the account and this is perhaps why they have given up so easily on chasing the debt?
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Sorry, I should have added, that I became a partner after being an empoyee for 20 odd years. that is why I suspect Barclays MAY have made administration errors by not adding my name on to this particular acccount.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
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's with regards to a debt against Barclays Bank. The debt relates to an outstanding overdraft
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