barclarcard/lovell

taka1

In 2004 I got a credit card with Barclaycard. In 2005 lmanaged to pay it off completely. A few months after l had paid the card off, lchanged addresses and l forgot to inform Barclaycard of my new address. Thereason being that l had paid off the card and l did not need anymore. Barclaycard/Lowell advised me that they kepton writing to my old address.

I received the shock of my life last year in November when lreceived a letter from Lovell debt collectors. Lovell debt collectors weredemanding money on behalf of Barclaycard. They claimed that l had not paid Barclaycardin full. The unfortunate thing is that all the receipts for the payments l hadmade l had destroyed them. Hence l did not have proof that l paid the card infull. Lowell keep calling me and demanding their money. I did ask forstatements to show that l had made the full payment but both Barclaycard and Lowellwere unable to provide the statements. From the top of my head, the credit limit thatl had was £200 but they are now demanding more than a thousand pounds. Theyclaim that most of it is interest that was charged over the years.

It has been more than six years now since l paid themoff. I am afraid that this might spoilmy credit file. Can Lowell on behalf of Barclaycard apply for a CCJ or adefault on my account though it has been more than six years? Shall l try and make payment arrangements orshall l take it further?

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don't admit to the debt. It sounds as though it is statute barred. Someone will post a link shortly. Sorry I would but at work and using a mobile device.

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just a quick thought, post this in the debt free wannabe forum. Friendly helpful bunch.

taka1

hi

did you manage to find the link that you had promised the day before yesterday.

wellynever

Check your credit file with experian and see if anything shows up on it.