Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default Barclaycard debt statute barred??

    Hi all

    I have a few debts that I am trying to sort out but am not sure if some may be SBíd.

    I have one for Barclaycard and am trying to figure out where I stand as I am a bit confused over the SBíd criteria ( I have read a lot of threads about it).

    the debt is wth. DCAicon and other than a letter to advise of change of address Iíve not responded to them.

    the last payment was in 2012 but on checking statements there is a refund on the account in March 2013 for £400 I have no idea what for.

    I was sent 2 DNís by mercerís one in November 2012 and another in February 2013 but checked my credit file online and they registered the default in June 2013.

    Any my opinions on whether this is SB would be great fully received
    thanks
    Ginbob


  2. #2

    Default Re: Barclaycard debt statute barred??

    Dn is nothing to do with sb date
    Moved to the BC forum

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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  3. #3
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    Default Re: Barclaycard debt statute barred??

    If the last payment or acknowledgement of the debt was in 2012 then it is statute barredicon.

    The fact that they have found some reason or other to give you a refund does not affect this.



    Warning: I use dictation software. Beware of homophones!
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    All attribution rights and moral rights in my copyright work are asserted
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  4. #4
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    Default Re: Barclaycard debt statute barred??

    Thanks. Sorry if itís in the wrong forum.


  5. #5
    Basic Account Holder
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    Default Re: Barclaycard debt statute barred??

    Yes Bankfodder. The last payment was November 2012. Iíve not acknowledged the debt but did send a letter informing DCAicon of change of address as did not want a backdoor CCJ. Iím assuming (hopefully) that sending that letter hasnít stuffed me.


  6. #6
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    Default Re: Barclaycard debt statute barred??

    No it hasn't. However, read CONCicon 7 - If they are informed that it is SB then they are no longer permitted to take any further action on the debt



    Warning: I use dictation software. Beware of homophones!
    Have you read our dealing with customer services guide?
    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.

    All attribution rights and moral rights in my copyright work are asserted
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
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  7. #7

    Default Re: Barclaycard debt statute barred??

    send them our statute barredicon letter from the debt collectionicon section of our libraryicon.

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

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