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Hi,
i hope someone can help me. I have a debt for a Barclay card taken out in 2011 for £2000. It defaulted nearly 6 years ago when I lost my job. Nobody contacted me about it until just before Xmas (dec 2019). A debt collector agency. I read something about asking them to send proof of the debt so I wrote to them.
Today in the post I've received what looks like a spread sheet with my name, address, previous address, mother's maiden name, annual income at the time, the name of the company I worked for at the time and the date the credit was taken out. It has no details about the original credit card amount, the apr, any added charges and there's no copy of a signed credit agreement. I should add this debt is due to drop off my credit report in March of this year so in about 2 months. Is what they've sent me enough for them to peruse the debt?
I only ask as I'm not in a position to pay the debt currently as I'm on maternity with my first child so money is tight and I want to avoid a ccj if I can which I'm assuming is the next step if I don't pay. They are asking for just under £2500 at this point.
i hope someone can help me. I have a debt for a Barclay card taken out in 2011 for £2000. It defaulted nearly 6 years ago when I lost my job. Nobody contacted me about it until just before Xmas (dec 2019). A debt collector agency. I read something about asking them to send proof of the debt so I wrote to them.
Today in the post I've received what looks like a spread sheet with my name, address, previous address, mother's maiden name, annual income at the time, the name of the company I worked for at the time and the date the credit was taken out. It has no details about the original credit card amount, the apr, any added charges and there's no copy of a signed credit agreement. I should add this debt is due to drop off my credit report in March of this year so in about 2 months. Is what they've sent me enough for them to peruse the debt?
I only ask as I'm not in a position to pay the debt currently as I'm on maternity with my first child so money is tight and I want to avoid a ccj if I can which I'm assuming is the next step if I don't pay. They are asking for just under £2500 at this point.
