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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


Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.


Vir prudens non contra ventum mingit



17 Port & Maritime Regiment RCT

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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?




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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