barclaycard - false debt!

michael2007

hi

i got a letter from barclaycard claiming i owe them £4,000.00 pounds, i am outraged! and they are taking court action.....i have never had a barclays account!

has anyone else had this experience?

i wrote a stern letter to them telling them this, asking where they got my name and address from, i havent heard back from them yet.

where do they get off accusing innocent people of racking up £4,000.00 in debt!

mic

tallyhoh

Has someone nicked your ID. Have you checked Experian or the like recently?

liz105

I'd definately get a credit report out on yourself, could anyone have got hold of your details?

I'd expect a dodgy debt collection agency to get the wrong people (they send out several letters to people with the same name) but I wouldnt think Barclaycard would.

Is the letter definately from them and not a collection agency? Also, if you never signed an agreement then they cant take you to court.

michael2007

thanks guys for replying

no ive never checked my credit or experina what the hec is that and how do i see it, what do i pay????????????

its defo from the exact address:-

Barclaycard Business, 1234 Pavilion Drive, Northampton, NN4 7SG

please reply i would really like to see my credit history or rating to see what this is all about!

mic

Kevicho

I would send a recorded delivery letter asking for a signed credit agreement, and stating that you do not acknowledge this debt.

Someone will post a link to a letter soon im sure

Sully316

Try this and I hope it helps. I would have called up Barclaycard just incase they didnt receive your letter.

http://www.joincreditexpert.com/freecreditreport/jbox/46b/?sc=410049&bcd=experianratgintrc48b

Windymiller19

Hi Mic,

I too have received some correspondence from Buchanan Clark & Wells stating i owe them a £1000 for a barclaycard.I have never had a barclaycard in my life or even held a bank account with barclays.Fortunately due to the nature of my work i am fully aware of where i stand on a legal basis.
The onus is on the creditor or collection agency to prove the fact that you are liable for the debt,it is not for you to prove that you don't owe the money.
I would suggest as previously mentioned to get a copy of your credit file and also to approach barclays and to ask them to send the credit agreement and all documentation to you (which you have allegedly signed).I would advise you draft a letter to barclays stating you do not acknowledge the debt and you will not communicate with them until you have received all documentation and had a chance to look into this.

Hope this helps

michael2007

How do i see this/get my Experian or Credit report thing?

do i have 2 pay?

mic

danielleindebt

http://www.joincreditexpert.com/freecreditreport/?sc=410006&bcd=interactivehomepage1

hope this helps

michael2007

thanks

is this safe?

do u not have to put your details onto the internet?

id rather fill out a form by hand? is there anyone esle i can get experina /credit report?

mic

rog2

If you go to: http://www.experian.co.uk/downloads/consumer/standardAppFormJuly06.pdf

You can download a standard application form, which you need to post, with the fee of £2, to:

EXPERIAN Limited
Talbot House
Talbot Street
NOTTINGHAM
NG80 1TH