Statute Barred Barclaycard Debt

ARTooD2

Hi all,

A few days ago I recieved a letter saying I owe barclaycard £x amount (which I thought I had already paid off but that is another matter). I am nearly certain that I haven't aknowledged this debt in any way in the last 5 years (I live in scotland). Just in case I haven't though, would me writing to them with the statute barred template "re-set" the countdown or not?

brians_daughter

May be worth checking your credit file if you are not 101% sure its over 5 yrs old before contacting them. Once you have evidence infront of you that the debt is statute barred contact them. Maybe worth saving a copy of your file too for your records to show either the debt isnt on there or when it isn due to become statute barred. No it wouldnt set the clock again if you are not acknowledging the. Check your report and post back HTH

ARTooD2

Thanks for your replies...I have checked both Experian and Equifax and it isn't showing on either of them. Should I be hot to trot to send out the letter?

dazza.mk

If you are sending a letter querying the debt you are not generally acknowledging it, but you might be better posting on the Debt Free Wannabe board for answers from people more familiar with the specific.