Barclaycard - Debt Dispute - Help

Dobbibill

robert4123 wrote: »

Have about £4000 debt with Barclaycard. Disputed it, claiming it's not my debt. I have never spent this kind of money on this card. It was used by my late father to pay rent, and since I lived with my parents it was easy to gain access to my card.

To dispute it, you need to see what exactly has caused it to be this amount. You need to refer back through all your statements.

I had an informal arrangement to pay £20 each month, no interest. Until I noticed the balance was not what I thought it was, and that the debt was not run by me.

This account exists since 1997, and the photocopy agreement claims I opened it when I was 19 years old.

This is almost a 20yr period.

They also said to send the required £10 for "Subject Access Request." Those who know legal terms should know what these mean.

This tells you, £10 is standard. This right of subject access means that you can make a request under the Data Protection Act to any organisation processing your personal data. The Act calls these organisations ‘data controllers’. You can ask the organisation you think is holding, using or sharing the personal information you want, to supply you with copies of both paper and computer records and related information.

I don't want to pay this debt

I have a similar experience with Capital One

There seems to be a trend here.

I've never spent this amount.

I don't owe this money.

I don't receive a statement with transaction for this card for a number of years

Therefore, I don't know when these transactions were made

You need to get statements. You don't know how the debt has risen to this amount, so your first job is to get a breakdown of transactions. My guess will be that this will include late/over limit charges. If it's been passed on to a DCA, their administration charges too, along with interest from before the interest was frozen.

The photocopy of the agreement they've sent has a limit of just little over £1000. Where does £4000 come from?

A credit limit of £1000 does not mean a debt cannot be more than that. As stated above, charges can and will be added on.

Please give me any advice you can on how to continue this dispute. The bank does not consider the debt disputed after this communication.

Hardly surprising given that you have disputed taking out the credit card rather than disputing the transactions and balance. Which is it? Do you claim not to owe this amount or claim not to own this card?

tripled

I don't think you have much chance of disputing taking out a card the best part of 20 years ago, especially one you have been making payments towards and appear to have taken out PPI on (and now had refunded). The time has long been and gone for that.

• When did you find out about this card and how did you find out about it?
• When did you start making payments to them and when did you come to an "informal agreement" with them?
• Was it you that took out PPI (even if mis-sold), and if so when was that?

PeacefulWaters

By having made payments you have acknowledged the debt.

By having failed to deal with the fraud matter in a timely manner previously you have made it impossible to believe, or for the FOS/court to believe, that the debt has been built up by somebody else.

Credit limits can be amended. You will have been notified, usually by statement in the distant past, more recently by letter. By doing nothing you will have accepted changes to limit.

Delinquent accounts can exceed a credit limit with charges, interest and potentially collection chasing costs.

I cannot see any way whatsoever you will get this debt removed from your name.

Can you?

robert4123

Thanks for the replies everyone.

Having read the advice, is it possible for me to dispute the amount owed, not the card? In this case I will admit to owing the card.

I really did not spend this amount, as my late father ran debts up to £50k before his passing (I loved my father regardless) and he made application forms in my name which were accepted.

Two of these cards I have already disputed and have not heard from for a number of years.

One card which I was also paying an amount in my current account was disputed. So it doesn't quite ring true that the fact I was paying an amount acknowledges me owing the debt.

I would like to know how it is possible to send a letter saying that I dispute the amount owed, and if getting statements will help my situation. As mentioned, I need to see where this money was spent and when, as I really don't think it's interest and charges. Remember that an agreement was in place for a long time, and it was renewed by my father posing as me on the phone, which froze interest charges.

You have been helpful and I hope there is a way here. I have read about debt write-off and other similar things, because I really don't want to pay an amount I have not spent and I am willing to do everything needed. I have read that jail is hardly a possibility for a debt like this, so I just wondered whether it would be best to ignore it altogether until it is written off.

McKneff

Dont ignore it, it will come back and bite you in the back side. Do you realise that you just saying you dont owe this doesnt wash.

You will end up with no home if you keep going on like this, the debt will grow and grow unless youj do somenthing about it. it is growing on a daily basis.

Sorry but I dont understand how any parent can treat a child like this, did he not have any income o his own, was he a gambler etc etc etc.

Dobbibill

robert4123 wrote: »

Two of these cards I have already disputed and have not heard from for a number of years.

How many years?

When was the last payment made to them?

I would like to know how it is possible to send a letter saying that I dispute the amount owed, and if getting statements will help my situation. As mentioned, I need to see where this money was spent and when, as I really don't think it's interest and charges.

Request a SAR. It will cost you £10. Just seeing a total and burying your head in the sand, saying I don't owe this is achieving nothing.

Remember that an agreement was in place for a long time, and it was renewed by my father posing as me on the phone, which froze interest charges.

How do you know your father did this?

You have been helpful and I hope there is a way here. I have read about debt write-off and other similar things, because I really don't want to pay an amount I have not spent and I am willing to do everything needed. I have read that jail is hardly a possibility for a debt like this, so I just wondered whether it would be best to ignore it altogether until it is written off.

You still don't know where that amount has come from. You need to find this information out or you will go round in circles, getting nowhere.

Debt write off is normally referring to an IVA, Bankruptcy, DRO, DMP. There are plenty of people struggling with it on the DFW and Bankruptcy & Living With It forums.

You're not going to go to jail but I am surprised you haven't gone to court yet if this has been going on so long.

You need to get alot more information and come back with hard facts. It's very difficult to advise you of the best way forward if you are not getting any of the details about the debt and burying your head in the sand.