Barclays unpaid default

fairydance193

Hello, basically in 2013 I got in a lot of debt and my finances went out of control. I was a student with an overdraft with barclays. Stupidly I didn't pay my overdraft back, and when I received letters from Barclays I just ignored it and buried my head in the sand. From this I have a default on my account, I remember my debt been sold to moorcroft debt company and I began a payment plan with them again stupidly I stopped paying into this payment plan, this was about 2014. I have recently sought to try pay this default off however I have spoke to moorcroft and they no longer have the debt, and I have spoke to Barclays and they said my account is no longer open with them. I am just looking for advice on what my next steps should be, I know I have been really foolish with my finances but I really am trying to get back onto track and I have done with all other aspects of finance expect this one.

sourcrates

Hi,

Check your credit file, see who is reporting on the debt now.

Aside from that, it's a case of waiting until you are contacted.

fairydance193

It says Barclays, I have spoken to them on the phone and in branch with my account and sort code and they still say they don't own the debt. Thanks for the advice.

glentoran99

Ask them to remove the default and see what they say

fairydance193

it might be worth a try thanks