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    • JEB192
    • By JEB192 15th Jun 17, 1:44 PM
    • 5Posts
    • 3Thanks
    JEB192
    Barclays bank
    • #1
    • 15th Jun 17, 1:44 PM
    Barclays bank 15th Jun 17 at 1:44 PM
    Hello! This is a very confusing situation but I'd like some help if possible.

    12 Years ago I was a student and opened a student account with Barclays. One day I got my loan in, and paid £3000 of rent in one go online. That afternoon Barclays cancelled my card, said I was "spending irresponsibly". I went to see the bank manager who refused to issue me a new card so I took out the money I had in the account and started banking elsewhere. It was a very strange situation and banking with Barclays was always difficult. They never sent me any letters or further correspondence and to my knowledge the bank account was closed. I had no direct debits or standing orders at the time.

    Fast forward to 2014 I receive a letter to say my barclays account is in arrears. I have had ZERO correspondence with them in the 9 years preceeding.

    I spoke to someone on a forum (maybe this one) who helped me write a statute barred letter. I was just going to pay the money (it was £185) but I didn't think I owed them any money. They sent me a letter saying they'd look into it and never got back to me.

    I've checked my credit rating today and the information about this account is very confusing. It says my account was completely inactive (I assume because it was closed!!!) until early 2014, in credit/not overdrawn until August 2014 then went into arrears and now I've been in default for three years!

    Now I wish I'd just paid the £185 in the first place, the report says I now owe £356 but again, no word of correspondence from Barclays - the only reason I know this is because I checked noddle.

    I don't want to pay them £356 but I don't know how I even begin to dispute this because I genuinely have no idea what happened! I don't even have a bank account number I can check!

    Where should I start with this? I don't want to enter into the wrong kind of conversation with them and be seen to be admitting the debt is mine.

    Any help would be gratefully received.
Page 1
    • sourcrates
    • By sourcrates 15th Jun 17, 1:57 PM
    • 12,468 Posts
    • 11,860 Thanks
    sourcrates
    • #2
    • 15th Jun 17, 1:57 PM
    • #2
    • 15th Jun 17, 1:57 PM
    Send the provit letter, available from the stickies section, to them.

    Basically it asks them to prove their claim without any admition of liability.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • JEB192
    • By JEB192 15th Jun 17, 2:12 PM
    • 5 Posts
    • 3 Thanks
    JEB192
    • #3
    • 15th Jun 17, 2:12 PM
    • #3
    • 15th Jun 17, 2:12 PM
    Thank you! I'll let you know how it goes
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