So I'd get plenty of notice in writing (to my Mum's address as thats the one they have on the account) before they can present me with a CCJ? Am I right in thinking they can't give me a CCJ when the account in question becomes SB'd? Lastly, will they still chase me for payment of the account after it has SB'd? Thank's so much for your advice

Would British Gas really employ two DCA's this quickly? They got their outcome within two letters and a phonecall, I didn't give them much of a runaround so I can't understand why it would be them. I don't want to contact this DLC in case it makes them tag onto me even more than they already are, if they send me a letter to my home address then I guess they will be one step closer to finding me but I really want to try and hold out till this CDL becomes SB'd. Are DLC a company to be worried of? Are they in a different league to Wescot or are they exactly the same in powers/methods? Another question, what would the process be for them to get a CCJ against me? Would this be something that they would have done already if they were going to do it or is there still a possibility they will do it?

I'm not sure.... I haven't got any other debt. I didn't think I had any previous to this Barclays CDL however the British Gas one does make perfect sense and it was just an oversight. I pay everything else on time and haven't ever missed a payment on anything. The only thing it could be is this CDL I guess but I don't have any experience with this DLC company and wondered if anyone on here could give me some advice

Right so... Panic averted, or so I thought. They sent their follow up letter which was actually only for a tidy sum of £52 for an outstanding gas bill courtesy of British Gas for a property I lived at for just a month (terrible damp issues, 2nd bedroom was like a paddling pool and was for our then unborn son). I got my girlfriend to call up and pay the debt on by behalf, she told them we were no longer together (called up British Gas direct). They also kindly removed the £18 fee for being transferred over to Wescot so the bill was only £34, result! They also don't actually have a 100% certain address for me so all seems good, so I thought. Till today when I received a text from a company called DLC - Mr 'MyFirstname & Lastname', please call dlc on 08443463001 quoting reference number ***********, or visit (their website which I can't post but is mydlc. co. uk) Another debt collection agency?! I visited their website and the form asks for everything so I can find out what they are contacting me for. They want to know the reference number they sent, my last name (they already have it in the text), my DOB, Postcode & Email Address. Is there any way I can find out what these new lovely bunch of people want without letting them know they have found me? It's getting silly now!

I have now managed to log into my Noddle account and it only goes back to Oct 2012. I found old 'Arrears Notice' letters from Barclays but they only go back to June 2011. The most recent they have sent is dated Oct 2014 and on that it says there's been a 'Payment In' on that month of around £545?! That most certainly wasn't by me! Right, whilst writing this I've logged onto my online banking and found that I made a payment to Barclays CDL on the 19th March 2009 via Bacs to an amount of £50.00. I did another on the 5th of May 2009 for the same amount. These are the only two I can find so I think that the 5th of May will be the last communication they would have had from me. I will get on the case of sending over an SAR to HSBC regarding my CC, this is a separate matter completely from the Barclays CDL but it does give me something else to get my teeth in to. Especially after Christmas when our balances are all feeling a little poorly. Thanks again!

Noooo, I've never banked with them, Im with HSBC. Two current accounts, a savings and the dreaded CC. I've never given Barclays any form of written acknowledgement that I owe them the debt, only via the phone and thats when I made the contribution payment (I think they called it something like that, I may have made two actually and I seem to remember them asking how much I could afford and offered them somewhere in the region of £200-ish). Tomorrow is the day when their system decides they've found me as I haven't responded so I guess I just need to sit back and wait for another one of their love letters. I might try and see if I can go back on my bank statements and see if I can find anything to do with a payment to them.... Not very hopeful with that though. Would Noddle display when they last received a payment? I can't seem to get on their website at the moment. Is there any way of knowing the likeliness of my CC having PPI? It wouldn't show on any statements would it? I'm a complete novice to this sort of thing. CPP sent me a letter when they were issuing refunds and I managed to get about £170 back which wasn't bad!

Hi again you lovely lot. I've really found your comments very informative and interesting. I also feel a little more relaxed in knowing I'm not going to be another superstar shown on that lovely TV show about us poor Brits and our financial woes! I'm not sure when I last paid anything towards the debt. I just assumed that the SB was 6 years from the date of the default. Isn't that the case then? Is there any way you could suggest I could find out when I last paid any money towards the account? I don't think I have any paperwork for it dating back that long ago, I'll have a look and see if I have anything in my files. I was reluctant to go down the PPI route as the CC is with my bank who I've been with over 16 years and I don't want to ruin my relationship with them, if that sounds ridiculous then I apologise but I heard that the bank wants nothing to do with you after you do a PPI claim? They have also put my account into special terms (unofficial so it doesn't effect my credit report) in respect of a near non existent interest rate (as opposed to the rate of nearly 30%) so I can pay it off quicker. I never did have any penalty charges as I never missed a payment, all that's changed is instead of me paying nearly £300 a month on it 50/50-ish interest and repayment, I'm now paying nearly everything off the balance and only £25-ish a month interest on the remainder. Bazooka Boo, I must say you've really made me feel better with your words of wisdom. I know having the experiences you have had can't have been enjoyable but they help people like me who haven't got anyone to talk to for advice! Thanks a lot.

Thanks so much for your replies guys. I have logged into my Noddle and it doesn't mention anything about it being assigned/sold to Westcot, where would I see it if that's the case? I will ignore this letter but does this mean they could send someone to the door? Should I warn the neighbours to not say anything if they are asked? So many things are going through my head to make myself 'invisible', its horrible when these things come back to haunt you! I also don't want my girlfriend opening up the door to two larger sized individuals asking lots of intimidating questions whilst I'm at work.... I was thinking about sending off a CCA but then they know for sure I exist still and am at the address, I might hold off on that one for a while. Will the next letter be confirming what they are contacting me for and for the amount? I read this in another post on here dating back to 2010 I think and that was their next method of contact. Thanks again!

Hi, This is my first post but I have been looking around on here recently as have been seeking some advice. I haven't been able to find a post similar enough to mine to get an answer so I'm going to tell you about my troubles in hope someone can steer me right! I took out a Barclays Career Development Loan back in 2007. The company I took it out to train with then soon went out of business - I'm sure some of you would've heard of them. 'Connectivity IT Training' based in Docklands, London. I telephoned Barclays after I'd found out to then be told, Ok that's fine, we will take today as your course end date and you can start paying it back. How considerate of them. I made a few payments but seeing as I was on a CDL course, I obviously had no job or low pay. I stopped being able to make payments and the letters stopped coming through. Fast forward to the present day. I moved away from my Mums (I've lived at 7 addresses since then, my most recent has been just under 5 months). At the end of Dec I received a phone call from Westcot asking me if I was me. I was surprised as I have no other outstanding debt (none that would be referred to a collection agency) and as I do get a lot of junk calls I said no. The lady said she would remove my number from their system, end of. I didn't have that number when I signed for the CDL so no idea how they had gotten it. On the 2nd of Jan I received a lovely letter from them to my NEW address. Sent to my name, telling me they are attempting to contact me and that I need to confirm if it's me or not living here before the 12th of Jan or else they will assume the contact information they hold for me is correct. Now if I didn't indeed live here then I would have gotten this letter addressed for someone other than myself and not opened it just binned it and they couldn't assume that I live here etc. I have switched EVERYTHING to this address as I have moved away from the area I used to live in and it's not convenient to pick up post from my parents anymore. I did switch to other addresses I've lived at recently too and they are all previous addresses showing on my Noddle credit report. I could be on the wrong track here and thinking that this is for the Barclays CDL when it isn't however theres nothing else it can be in my opinion. Everything else is paid up to date and I've never missed a payment on anything, ever either. I am also aware that by the middle of this coming November, the loan will be 6 years with no payment or contact so will be 'Statute Barred'. The date of default displays Nov 2009. I'm guessing they are aware of this and trying to get me now before the deadline. Total outstanding is around £8600. I am not in a position to repay this as my girlfriend isn't working (on SMP as we have just had a baby and I am covering all the bills and trying to repay an old credit card which was at £8500 and now down to £5500). Is there anything I can do or anything you can suggest to me? I have no experience with Debt Collection agencies and I also don't want to have any experiences with them! Thank's a lot for reading.