Showing results for tags 'debt 1st credit'.
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Info in brief Back in 2002/2003 I opened a Barclaycard account and my boyfriend of the time used it. I was not as financially aware as I should have been and ran up huge bills, which I was unable to pay at the time. I default for about 7.5k in 2006. In 2008 I heard from 1st credit regarding the debt and I made a couple of payments. Since then I haven't heard anything until 3 days ago I received a letter from "Barclaycard' giving the card number the balance outstanding and their reference number. They stated that they "hereby give notice of the assignment of the debt due to us by you in respect of the outstanding balance on your Barclaycard account." It then goes on to say that on 13/03/2007 your account was assigned to 1st credit who are now the legal owners of the debt. Today I have received a letter from 1st credit introducing themselves (as if we’ve had no previous contact before” and saying the want the spondoolies and if I don’t pay them this will result in more formal recovery proceedings. It does state that they will comply with any request for a copy of the personal information that is held about me on their system, and that I need to send £10 and a self addressed envelope to the above address. So here goes… 1) Do I CCA them? (Are Barclaycard good with their record keeping) 2) At the time I paid them I was unaware that they were the owners of the debt. 3) Should I SAR them? 4) Should I ignore them 5) Is it worth sending the Statute barred letter or is it likely they will find the payments Any help would be GREATLY appreciated. I had thought that this had gone away but clearly not. One final point the quality of the paper the barcodes on the letters look nearly identical and also the writing on the side of the paper is also in exactly the same place. One of the words is Comproc Thank you again Sarah
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