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Podengo269

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About Podengo269

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  1. Brilliant, I'll get on to them. Will pain me to give them a penny but I agree. While I'm contesting this, will I continue to rack up the £0.95 a day charge mentioned in the Termination Notice. Someone elsewhere suggested that charges have to stop accruing when they pass on to a DCA. Do you know if that's correct?
  2. Okay, thanks. I will ignore Westcot then. I've been trying to find Barclays Current A/C overdraft terms online to see if it mentions anything about arranged o/d being an annual agreement and only valid if regular funds going in. Can't find anything clear but am I right in thinking that would be standard practise. I suspect the account closure will be my word against theirs - they'll just deny receipt of the letter. If I can suggest to them that they were negligent in renewing the o/d successively for 11 years with no funds going in that would surely put me on stronger ground. But i
  3. Thanks, that's encouraging to here! Okay, so complain to Barclays execs on the grounds that they're hassling more for an Statute Barred debt OR that they should've cancelled the overdraft in 2005 when obvious no funds were going in?
  4. I'm pretty sure I requested cancellation in October 2004. That's when I took out the Coop account so I would've switched directly from Barclays to Coop. I don't have copy of the the letter to hand although I did find it last year when this first arose. I then moved to new address in February 2005.
  5. Thanks for advice so far. Research elsewhere seems to suggest that this is NOT statute barred on account of the 'debt' commencing not when I gave my instructions to cancel the account (11 years ago) but when the overdraft limit was reached (probably sometime in the last year). So in other words, the six years didn't start ticking until the account went over the limit. If it's not statute barred my next question would be, shouldn't Barclays have terminated the overdraft earlier when it was clear there were no funds going in? It appears they have just allowed the debt to accumulate. Are
  6. Yes, I advised BCW of this in my first letter to them (in Dec last year). Westcot were sent the same letter last month so they were both told about the instructions to cancel at first opportunity. As far as Barclays are concerned, it hadn't entered my head that the account was still open until I got the BCW letter out of the blue.
  7. Another issue springs to mind.... Could Barclays argue it's not SB on the basis that the overdraft limit might not actually have been breached until last year?? In other words, it only actually became a debt in their eyes at that stage.
  8. I don't know if Barclays have been paying any SOs or DDs. I assume that they would have continued if they didn't cancel the account. But shouldn't they have spotted no funds were going in and stopped at first annual renewal of overdraft (in 2005)?
  9. No I haven't yet but the Coop, in refusing to renew my overdraft said: 'The information which resulted in the decline was registered with Experian' I will check it but am assuming Barclays have registered the old account with CRAs as they threatened to do in the Termination Notice.
  10. Hello, I'm hoping for some advice. Not sure if anyone has had or is experiencing similar hassle from Barclays. My situation is this. Eleven years ago I had a current account with Barclays which had a standard overdraft facility. I switched to the Coop in 2004, instructed Barclays to close the account and thought nothing more of it. Late last year I started receiving requests for payment of £1950 from Buchanan Clark & Wells, claiming to be acting for Barclays and referring to my old account. I'd heard nothing from Barclays over the intervening eleven years but had moved addre
  11. Thanks for the advice Slick No, I've had no correspondence with Barclays and certainly haven't paid anything in - I'd thought and assumed that the account was closed. My main concern is that they'll interpret the continuing standing order payments as 'action' on my payment and therefore deem the account to be live and the debt valid. dx100s post suggests continuing automatic SOs and DDs can't be taken as active use of the account and so the accruing debt becomes Statute Barred. Other advice I've acquired adds that Barclays should have picked up on the complete lack of fund
  12. Just trawled through old papers and found a copy of my letter to Barclays in 2004 instructing them to cancel the account. Pretty clear from what you've said that it's staute barred anyway. Thanks again for your advice.
  13. Thanks for your reply - that is encouraging but can you clarify Is it still statute barred if Barclays have been issuing monthly statements (to an old address) and continued to take standing orders over the last 10 years? Won't they say the account has been active, even though I thought it was closed and haven't received anything from them?
  14. Hello I'm hoping someone will be able to give me some advice. Last week I received 2 letters. The first was from BCW asking for me to verify my address and that they needed to communicate with me about a 'private matter'. I subsequently received a letter with a Barclays letter head stating that a debt (£1900) with them had been transferred to BCW and that I should now pay this in full. No breakdown of the debt was provided but an old current account number was quoted. I did hold an account with Barclays until 2004 when I switched to the Coop Bank. I
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