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Barclays Bank/Philips


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I have a debt to barclays bank from a current account with an overdraft which goes back to approx. 2003.

 

I was paying an agreed amount monthly but stopped approx. six years ago as i was in financial difficulty. I'm not sure of the exact dated.

 

Over the past years the debt was passed on to a company called Hillesden SecuritiesT/A Direct Legal. I have been chased and threatend by serveral DCA's and today I received a letter from a company called Philips(Specialist Baliff & Debt Recovery Agents) saying they have been instructed to commence recovery proceedures regarding arrears outstanding to the Zinc Group. Demanding payment within seven days to prevent further action.

 

I am unable to work due to ill health and my only income is income support.

 

Can anyone advise me what to do as I do not have a clue where I stand.

 

Many thanks

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Send Philips this http://www.consumerforums.com/resources/templates-library/86-debt-collectors/573-general-debt-letter-if-you-know-nothing-of-the-debt the onus is then on them to prove the debt exists and they have the right to collect it.

 

If you have not made a payment or written acknowledgement for a period of six years it will be Statute Barred & no enforcement can be made.

Anthrax alert at debt collectors caused by box of doughnuts

 

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Vir prudens non contra ventum mingit

 

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Even if by some miracle it isn't SB, there is nowt to worry about, they can't have what you haven't got, what are they going to do?

N.O.T.H.I.N.G.

 

Boo;)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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'Zinc Group' are getting busy today, but then they do live in HOPE Street!

 

Second thread today about these idiots.

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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