6 year old overdraft demand

Greenbus85

Hello all. The long story short is that I had multiple student accounts while I was at uni. This goes back to 2008. Time has went by and after getting on my feet again, I applied for a barclaycard. I behaved myself and had my limit upped a few months ago. The next thing I know, I have two council tax demands (which I am now paying off), a demand for university fees (which I was on scholarship for but the university have said I am now liable for as I did not complete the course, which I am also paying back). The final straw is Barclays have now sent me a demand via a debt collection agency who they have sold the debt to. The last contact I had with the bank is over six years old, I actually have the last demand letter they sent me. It's not ideal, but I am struggling to pay everything else and cannot afford this. How do I go about telling them it is statute barred? The irony is I now work in law albeit as a dogsbody, but anymore enforcement action will lead to losing my job. Help please 😓

sourcrates

Hi,
You simply send them a letter stating the time for collecting on this account has passed.
You need to be certain of your dates here, it's more difficult with overdraught debts, as you are not required to make regular payments, it's more difficult to arrive at the "cause of action" date.

You can roll the dice with this one, and see how they respond, it's up to them to prove its not SB, not up to you to prove it is.

Template letter here :

http://moneyawarecouk.c.presscdn.com/wp-content/uploads/Statute-barred-template-letter1.pdf