Barclaycard question

[Candygirl 06]

I understand that if I have had

no contact for over 6 yrs the debt

becomes unenforceable and is

statute barred.

So how would I go about reclaiming

the charges,as,if I understand correctly,

sending them S.A.R or even C.C.A

request letter to the D.C.A would restart

the 6 year time counter.

any info would be appreciated

[Bookworm]

According to B/card (even though there's some considerable doubt about that), they only introduced charges mid-01. Therefore, you wouldn't have charges, would you?

 

Secondly, even if B/card weren't being totally pig-headed about sending out the information (which they are), I doubt that they will have kept the information going back further than 6 years.

 

Thirdly, even if you could get the informtion and you had been charged, is the amount of money that you were charged MORE than the debt you are avoiding? Because if it's not, why on earth would you want to re-open that can of worms? Whatever you reclaim would get swallowed straight back by the debt, and you'd have to pay the reminder. :-?

[Candygirl 06]

I have had demanding letters from

Robinson,Way&Co over the last

18 months or so who are still

chasing the debt and it would appear

that even after they bought the debt

from Barclaycard the charges were still being added

[Candygirl 06]

plus, the initial debt was £700

and now it has crept up to £3000

[skbuncks]

If they're still chasing you for the debt then send them a CCA for a true signed copy of the contract. Without the contract the debt is unenforecable (I think) and chances are they cant provide it

 

skb

[skbuncks]

Have a read of this

http://www.consumeractiongroup.co.uk/forum/general/33174-consumer-credit-act-agreements.html

might help, very long though