Barclays may not take action but their bully boy dca do

Thanks bb, I will try the CCA route first, I have a strong feeling but can't remember, that the card was kust issued to me as an upgrade of my account. My only regret is using friends address in UK don't want idiots turning up and hassling them anymore

Please don't argue about this !!, I welcome everyones advice and I did ask for anyones experience of a similiar situation in my original post. Just to clear up any confusion, it is a personal credit card not a business card debt. I think we all agree that exploring the CCA request route first would be advisable. I am concerned that they might get a CCJ against me in my absence, I am unaware of teleconferencing and how that might work. I was really hoping that someone could shed some light on probability that they would chase the debt outside the UK. AIC have been calling and sending letters for about a year so far.

Being abroad, I can't afford to keep going back to UK for courts

I think in phill123's defence he has advised that I follow the usual routes and he has acknowledged that they can chase the debt in Europe. I think the question really is what is the likelyhood they would chase it for 12k and no real chance of actually retrieving any of it at this moment.

Thanks for the replies, my understanding that 12k in banking terms is not a huge debt so chances they chase me around Europe is slim,I would hope. I will try the CCA request. Not sure how effective it will be though. I expect they will go to CCJ, as I'm not in the UK would be difficult for me to attend and therefore defend.

wILL THEY NEED A PHYSICAL ADDRESS FOR THIS

There are people on this forum saying Barclays taking them to court ??!!

Thanks again, are there any threads on this forum naming the unenforceable CCA's ? Also how effective is the request for CCA and if they don't respondin time ?

Thanks for the reply, Lloyds did not have the decency to respond to my letters offering reduced payments, been with them 15 years ! Not sure if it is better to open communication with AI or just ignore them. Also is it worth going down CCA request and contesting CCJ ?

Credit Card Debt. Unsecured.

Is it really true that Barclaycard have NEVER taken anyone to court ?? Can't believe it "!!!

Thanks for the reply, since they don't have an address for me I was wondering if non communication was better than using my friends address again.

I should add, I'm not trying to evade paying my debts, I have made a reasonable offer to lloyds until my situation changes - which obviously they have ignored and passed debt to AIC. I just don't want and can not afford to upset friends who are helping me by them getting hassled by AIC.

Hi, great site, have found some good advice. Could not find another thread so apologise if done. Basically I owe a 12K on a Lloyds Credit Card, business gone bust, can't pay and am currently trying to find work in Europe. DCA been sending letters to a friends house in UK, he is sending them back, they have a telephone number for a friend who has been helpingme out in France, I have phoned the DCA and told them that I am trying to negotiate with Lloyds directly and will not speak with them.Letters to Lloyds and a requested payment plan have been ignored by Lloyds. What's the chances of them chasing me around Europe,? anyone got any similar experience ? Thanks