• Welcome to the LegalBeagles Consumer and Legal Forum.
    Please Register to get the most out of the forum. Registration is free and only needs a username and email address.
    REGISTER
    Please do not post your full name, reference numbers or any identifiable details on the forum.

Barclays not actively persuing the debt

Collapse
Loading...
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Barclays not actively persuing the debt

    I have a debt with Barclays that I have been paying for years and I mean years, a considerable amount was charges, 3k loan and overdraft.

    I received a letter back from Barclays, as when agreed the plan they offered to pay 3k and the balance be written off to which I sent a question to query:

    Thank you for your letter (deadlock that has been sent to me), to which within contradicts Barclays position within the letter alone.

    Your letter states as the debt is over 6 years, and that you cant locate the letter that was sent to me you will not be chasing the debt.

    In the next sentence you state that to contact recovery's for a settlement.


    I called that team this evening, the first lady had great difficulty finding anything and after 10 minutes said she was transferring me to business as it was a business overdraft. I have never had a business overdraft, it was a loan and bounced charges that you applied to the account in one bulk and was due to a poor relationship manager. You attempted to take me court, which was cancelled as you couldn't even get my name correct.

    The guy in business recoverys said I don't know how to deal, you need to speak to complaints. I asked about perusing of the debt he said I cant answer that, when put through to the complaints line it said you were closed.

    This is the poor service that got me in the mess in the first place all of those years, I have kept my side of the agreement and I would ask that you keep to your side.
    I would like clarification on this issue, please could you confirm that the debt is no longer going to be pursued. I will be passing your current letter to the ombudsman, also.

    If you could reply to my email I would appreciate it.

    A reply came today:

    It states no longer actively persuing the debt, but it still stands as an outstanding balance on the account, so if you wish to clear it call recoveries.


    How would you interpretate that?




    Tags: None

  • #2
    Okay, it means they aren't going to chase you for the debt, and won't take you to court for it ( can't if they tried and failed previously ) so that's pretty much that so far as Barclays are concerned. It still exists, and they may sell it on to a debt collection company though in which case you'd likely defend based on the previous court claim effort, and the agreement they'd write off the balance once you'd paid £3k ( do you have any idea how much you've paid ?) It's come off your credit file already I presume if it defaulted years and years ago. So that really should be the end of it. Have you stopped making the payments?
    #staysafestayhome

    Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

    Received a Court Claim? Read >>>>> First Steps

    Comment


    • #3
      It was never on my credit file as was pre period where they didn't have the rights to report to credit reference agencys in there agreements. They tried to take me to court in the wrong name, which got stopped. I have paid £3400 of it off, I don't even think they were able to locate paperwork years ago even.

      They tried to sell it years back, but kept been given back only today did I cancel the standing order.

      Comment


      • #4
        Okay, you've been paying it for rather a long time then... you happy if that's just the end of the matter now? Sounds like if they sell it on and try anything else you'd be able to bat it off quite easily and they've decided not to pursue you further - so good news
        #staysafestayhome

        Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

        Received a Court Claim? Read >>>>> First Steps

        Comment


        • #5
          I just wasn't sure if I was reading their wording right

          Comment


          • #6
            I'd have double checked with them as well xxx Sounds like you have paid more than enough to this debt over the years considering.
            #staysafestayhome

            Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

            Received a Court Claim? Read >>>>> First Steps

            Comment


            • #7
              yeah to me the wording is like you can carry on paying us if you like, but we are not going to chase you if you dont

              Comment


              • #8
                Get a subject access request from the bank and check all of the charges and make a complaint with the financial ombudsman service.

                Comment

                View our Terms and Conditions

                LegalBeagles Group uses cookies to enhance your browsing experience and to create a secure and effective website. By using this website, you are consenting to such use.To find out more and learn how to manage cookies please read our Cookie and Privacy Policy.

                If you would like to opt in, or out, of receiving news and marketing from LegalBeagles Group Ltd you can amend your settings at any time here.


                If you would like to cancel your registration please Contact Us. We will delete your user details on request, however, any previously posted user content will remain on the site with your username removed and 'Guest' inserted.

                Announcement

                Collapse
                1 of 2 < >

                SHORTCUTS


                First Steps
                Check dates
                Income/Expenditure
                Acknowledge Claim
                CCA Request
                CPR 31.14 Request
                Subject Access Request Letter
                Example Defence
                Set Aside Application
                Directions Questionnaire



                If you received a court claim and would like some help and support dealing with it, please read the first steps and make a new thread in the forum with as much information as you can.





                NOTE: If you receive a court claim note these dates in your calendar ...
                Acknowledge Claim - within 14 days from Service

                Defend Claim - within 28 days from Service (IF you acknowledged in time)

                If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.




                We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com
                If your case is over £10,000 or particularly complex it may be worth a chat with a solicitor, often they will be able to help on a fixed fee or CFA (no win, no fee) basis.
                2 of 2 < >

                Support LegalBeagles


                Donate with PayPal button

                LegalBeagles is a free forum, founded in May 2007, providing legal guidance and support to consumers and SME's across a range of legal areas.

                See more
                See less

                Court Claim ?

                Guides and Letters
                Loading...



                Search and Compare fixed fee legal services and find a solicitor near you.

                Find a Law Firm


                Working...
                X