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
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About 2 years ago i moved house and in the process forgot one thing, to let barclaycard know about my address change.
Time went by and after a while i thought oh well they have had thousands from me in interest alone, i think they have had enough.
The debt wasnt massive £900 to be exact as i had paid a couple of thousand off it a few months before.
Thing is im sligtly worried now that they are going to find me or a DCA that is acting agent witha big bill in hand. I contemplated sending them an SAR first because i have over a thousand in charges on the account, but im just not sure what to do.
Send SAR and reclaim the money then pay the debt or just leave it, and if a do leave it will they in about four - five years find me ?
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Does anybody have any advice on this as im quite worried about what to do ?
progenic
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do you have all your statements? if so dont bother with the SAR. It appears that you are owed more than you owe them so you are in a win win situation.
They will more than likely find you anyway as i was found by Lowell on behalf of Capital One 4 years later.
They did me a favour because the charges outweighed what i owed them.
I would contact them and get details - claim the charges and pay the debt - that way there will be no nasty surprises down the line - they will find you eventaully and wreck your credit rating - if they haven't already. Getting a copy of your credit files from Experian and Equifax is a goodstart.
no i havnt got all the old statements so i would need to do a SAR, strange thing is the debt was 12 months old (ie unpaid) when i applied for a mortgage and at that point i got myself a Credit file from experian.
On looking through this there was no record of barclaycard and certainly no debt.
My mortgage advisor asked if there would be any nasty surprises and i told him about the barclaycard situation. He was baffled like me and couldnt understand why there was no indication of unpaid statements.
Anyway i applied for the mortgage and got it first time (i was surprised)
All my other credit cards showed up everytime i paid each month, but the barclaycard had disappeared altogether.
weird huh ?
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Old Barclaycard debt
alone, i think they have had enough.
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Re: Old Barclaycard debt
