Thank you Silverfox!

In reply to your questions,

1. I thought I had closed the account, but I presume I didn't. My fault. I also thought I'd cancelled the direct debit !!

2. I simply don't remember the Direct Debit details. I must have given the CIPD my account details, but as this was more than 10 years ago, just don't remember. I should contact them and ask.

3. I really have no idea why the bank didn't contact me. Originally, this was a student account with a £1000 overdraft, but I ceased being a student in 2000. That they didn't contact me came out in a conversation with Barclays on this phone. I told them I hadn't received any post from them, and the guy said they didn't send any!

4. Yes, the DD was taken (actually for 8 years - I don't know why it stopped) and the band made no contact with me and I made no contact with them. The overdraft went over it's £1000 limit in 2010, but they didn't close the account until 2014 when the interest had racked up another £1000!

I think you need to make contact with CIPD and establish whether you did give them new bank details.

Hi there,

Barclays has sent my account to "Moorcroft Debt Recovery" and I would like to appeal against the debt on the grounds that (a) Barclays did not contact me for 12 years to let me know about the money coming out - despite having my address via a linked account (b) I did not have an agreed overdraft with them during this period and they let the debt run up to £2000!

Could I ask, should I contact Barclays to dispute the debt, or the Debt Recovery people?

Thank you

Joe

Yes, I've just received the CAR and they HAVE been loading this with interest (totalling around £1000) for 11 years. The rest of the debt was a direct debit which I had forgotten about. I also found a copy of a letter I sent them 11 years ago (when the account was £0) asking them to close it.

Should I dispute this with Barclays or the Debt Recovery Company?

Ta

Joe

Barclays.

Moorcroft have very little data on this account so they would probably refer you back to Barclays.

I was having a think about the BCOBS angle. The new rukes did not come into being until fairly recently so before that, The Banking Code would need to be referred to.

It is basically the same in that they have to treat a customer fairly.

The fact that they have accepted that they never contacted you about going into an unauthorised overdraft is very poor practice and I would think the Ombudsman would agree if it got that far.

As for Moorcrap, a simple letter telling them to put the account on hold as this is being disputed with Barclays. They must do so until any complaint is resolved.

Moorcrap

Silver, thank you for your advice (and hope!)

If anyone still follows this, you'll be pleased to hear that after appealing to the Ombudsman, the debt was cancelled and Barclays paid me a £500 apology......Thanks all !!

thanks for updating up.

is all the money gone now...

just hinting re below..

dx

Hi Joe and what a great result. :whoo:

I think what DX is saying is, please make a Site Donation if you can !!

Many thanks