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Barclaycard Statute Barred question


sirraymond
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Hi I am new and just dusting off the sand from my head so please bear with me.

 

I have a couple of large debts but one of them,

a Barclaycard is older than 6 years so am guessing it is now Statute Barred.

 

It has been tossed around different debt collecting agencies

namely Lowell and Frederickson to name a couple.

So far I have ignored the letters because I had no way of paying them

and just wedged my head in the sand.

 

A couple of years ago I did try to claim PPI on it but was refused.

 

Does my contact with them when attempting to claim PPI mean that the debt is no longer Statute Barred?

 

Any advice would be gratefully received, thank you.

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It wouldn't necessarily count as an admission unless it was clear that the debt *was* admitted in writing, how did you go about the reclaim?

 

Also, do bear in mind that they would need to evidence the letter to rely on it. They may not have kept it (if you had written, that is!)

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Actually looking at the mountain of paperwork I had stuffed in a bin bag, they did actually pay a nominal sum of a couple of hundred pounds (which was a fraction of what I'd calculated) for the PPI so on that score I 'won' - yay! :|

I think I also may have tried to claim for charges though too which will have totally naused it up won't it?

I just downloaded templates from Moneysaving expert at the time.

Edited by sirraymond
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what does you credit file say about this card?

 

 

when was the last time they wrote?

 

 

if itsbeing going on for a number of years now

 

 

I'd suspect they would have done something else bar

threat-o-grams

 

 

BC agreements are like hensteeth anyway

 

 

so they'll have a job to find the CCA if you were to send a CCA request.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I will do a credit report and see what it says.

 

They write every few months but it's been with Buchannan Wells, Lowell then Frederickson. They threatened court action but nothing else happened.

 

What is a BC agreement?

 

I really appreciate these replies from you DX100UK.

 

Just starting to deal with this makes me feel I can breathe a bit better.

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I will do a credit report and see what it says.

 

They write every few months but it's been with Buchannan Wells, Lowell then Frederickson. They threatened court action but nothing else happened.

 

What is a BC agreement?

 

I really appreciate these replies from you DX100UK.

 

Just starting to deal with this makes me feel I can breathe a bit better.

 

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Well if there is no BC agreement what does it mean for me?

The lack of a CCA does not mean the debt does not exist.

 

A creditor can produce a "reconstituted" agreement which can satisfy the CCA request, and if the agreement was signed after April 2007 can be use in court.

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Thank you for your reply. I'm a bit confu

sed as to why I would request a CCA in that case

The lack of a CCA does not mean the debt does not exist.

 

A creditor can produce a "reconstituted" agreement which can satisfy the CCA request, and if the agreement was signed after April 2007 can be use in court.

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Thank you for your reply. I'm a bit confu

sed as to why I would request a CCA in that case

To see if there is one!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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:) sorry bear with me please I really appreciate your answers. If there is one what then?

An enforceable agreement or any agreement at all.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi SR,

 

Looking back at post #3 :-

 

1. Can you say when the PPI was refunded and was it credited to the a/c or repaid to you direct.

 

2. When you reclaimed penalty charges, was any refund made and was this credited to the a/c.

 

Do you have all your old a/c statements for when the a/c was active, to identify PPI or penalty charges now.

 

:-)

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