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Ginbob

Barclaycard debt statute barred??

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Hi all

 

I have a few debts that I am trying to sort out but am not sure if some may be SB’d.

 

I have one for Barclaycard and am trying to figure out where I stand as I am a bit confused over the SB’d criteria ( I have read a lot of threads about it).

 

the debt is wth. DCA and other than a letter to advise of change of address I’ve not responded to them.

 

the last payment was in 2012 but on checking statements there is a refund on the account in March 2013 for £400 I have no idea what for.

 

I was sent 2 DN’s by mercer’s one in November 2012 and another in February 2013 but checked my credit file online and they registered the default in June 2013.

 

Any my opinions on whether this is SB would be great fully received

thanks

Ginbob

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Dn is nothing to do with sb date

Moved to the BC forum


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If the last payment or acknowledgement of the debt was in 2012 then it is statute barred.

 

The fact that they have found some reason or other to give you a refund does not affect this.


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Thanks. Sorry if it’s in the wrong forum.

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Yes Bankfodder. The last payment was November 2012. I’ve not acknowledged the debt but did send a letter informing DCA of change of address as did not want a backdoor CCJ. I’m assuming (hopefully) that sending that letter hasn’t stuffed me.

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No it hasn't. However, read CONC 7 - If they are informed that it is SB then they are no longer permitted to take any further action on the debt


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send them our statute barred letter from the debt collection section of our library.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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