Restons chasing old Barclaycard debt - will they apply for a ccj?

[Susec]

Hi,

I'm in am unusual position, I think.

 

Back in 2003 I had a cracking salary and mega limits on my credit cards (46k)

 

I was made redundant after I became mentally unwell and so went back to uni.

I *asked* the credit card companies to reduce my limits (not wanting to get rid of my cards altogether) but they refused. Point blank refused.

 

Later that year I became ill again and was diagnosed with bipolar.

I managed to spend £21,000 in 3 months, with very little to show for it (or take back!)

 

The banks refused to help.

I paid back just under 1/2.

 

I now have a limited income and only really my benefits to live on.

I stopped paying when CCCS went under.

 

I was given a CCJ in absentia. On one of the debts.

 

Another, who CCCS weren't actually paying off, are continually chasing me.

They seem to have now passed it on to Restons solicitors.

 

I know they *can* apply for a CCJ.

But if I don't contact them, will the debt be statute barred after 6 years, which is 6/2018.

What is the best thing to do?

 

I'm usually an upstanding citizen.

But - I can't afford to pay anything,

I didn't run up the debt other than as part of my illness, and the banks refused to lower my limits!

 

I think after 14 years I need a life I can live and keep well

- depression being a major problem.

 

I just live within my means.

I had paid a huge amount off all the debts, before I joined CCCS.

They've had their pound of flesh, so to speak.

 

Can I now hold on for the remaining 14 months for statute barring, given a solicitor is involved???

Or has anyone else any helpful advice?

 

I just long to be the responsible person I am without this cloud hanging over me.

Thanks.

[dx100uk]

what was the orginal debt type

who was the original credit?

when did you take it out?

don't be scared of rectums.

nor their client whatever DCA it is

they are NOT BAILIIFFs

[Susec]

The debt was Barclaycard originally, I think.

 

It's a very long time ago and been passed around about 4 times - this will be the 5th.

 

I stopped paying in 2012 when my income dropped to about 645 a month.

 

It's for about £2400 which I'll never pay off.

 

They gave me about 3000 credit in 2006 which I quickly spent on top of my 46000 credit, which I was paying with the other cards.

[dx100uk]

who's rectums client?

[Susec]

They haven't said. At the moment they're just asking me to confirm who I am.

[dx100uk]

so how come yo know what debt they are chasing?

 

 

dx

[Susec]

I guess I don't, really,

but as the letters from the debt collection agency stopped after the one I received on Christmas Eve, and I've had several different agencies involved in the past, I'm just making an assumption.

 

 

It's just worried me that they are solicitors, but from what I'm reading they're not as reputable as perhaps they should be!

[dx100uk]

no they are a solicitors for hire - fake/tame at this stage

here you can use our letterheads in the same printer as the others you've sent.

then if the mug responds we'll up the anti.

there should be a common ref number that surely you can trace to what debt its about....

[Susec]

Thank you!!! I'll look into that reference.

Sue