Advent debt

[Amethyst]

Pretty much. As before really depends how stressed you are with it. There's no threat of action in it at all so I suspect they know it's time barred anyway. Ignore - you will get more letters but think unless it's really worrying you you're safe to ignore unless it's a pre-action letter saying they're taking it to court.

[MIKE770]

1st stage begging, see whatever they may send next!

[Andy8888]

Guys I can't thank you enough ever since I first messages you I've been more relaxed, is it ok I message this post again when next letter comes?

[Kati]

Guys I can't thank you enough ever since I first messages you I've been more relaxed, is it ok I message this post again when next letter comes?

Of course you can. That's why we're here xx

[Andy8888]

hi guys, just had a call from cabot, i answered because i didnt recognise the number, so i just said im at work and cant talk etc, the number was 0344 5560269, do you think this is anything to worry about?

[Amethyst]

I doubt it. Did you write back to them in the end? If they are starting to call you it may well be worth writing and saying it's stat barred and communication only in writing please etc. WIll help you draft something if you like.

[Andy8888]

hi no i didnt write anything as i didnt have anymore letters, i was making a small payhment back in 2014 as they scared me with threats but i stopped that as i didnt see why i was making payments for somthing i didnt use and cancelled. so i really dont know where i stand.

[Amethyst]

That's fine - refer to section 29 of the Limitation Act 1980

section 29
a current period of limitation may be repeatedly extended under this section by further acknowledgments or payments, but a right of action, once barred by this Act, shall not be revived by any subsequent acknowledgment or payment.

basically, this means if there was 6 years between your default/last payment and when you felt threatened into starting payments, it doesn't change the statute barred status.

You signed up and cancelled 12 years ago, so 2006/7, then in 2014 you made some payments - it was already 7/8 years old at that point and therefore already statute barred - so section 29 can be relied on that those payments did not remove the statute barred status.

[Andy8888]

ok brilliant thank you

[Andy8888]

Hi guys hope your all well. I have another letter but it won't let me upload it here so I'll write what it says. Could you just let me know if you think it's somthing to worry about

your balance is waiting to be paid
weve been trying to contact you to discuss your account but have been unable to contact you

COULD I PAY LESS?

we are flexible when it comes to repayment. You can:-
set up a monthly payment plan to suit your budget

get a discount on your account and pay in lump sum

ask about where you can get free help for your finances.

We we will continue to try and contact you of we do not hear from you. It is important that you get in touch so we can find a solution.


Please let let me know guys and thank you

[Amethyst]

Umm yes, but zero would be better ?

[Amethyst]

They're threatening you that they will continue to contact you....that's not scary.

Would you feel better responding to them now ?

Read back through this thread - hopefully it will help - and it's fine to email me a copy of the letter if it helps to have another eye over it - amethyst1664@hotmail.co.uk ( or admin@legalbeagles.info but that's gone a bit spammy and things keep ending up in junk )

[Andy8888]

Hi thank you. I'm not sure I don't think I want anything to do with them but I keep thinking if I write it may carry on for a long time but if I ignore them hopefully they'll realise and go away. So you don't think this letter is anything to worry about?

[Amethyst]

You will continue getting letters and phone calls - you can do something now to deal with it - or you can ignore and panic each time you hear anything and hope they don't escalate to court.

How about first sending a subject access request to Barclays partner finance so at least you'll know what info is held ?

[Andy8888]

Hi yes ok I'll do that then thank you. What do I need to do? Also it can't go to court surely as its besn so long?