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Hi All, I've had the dreaded letter from Moorcroft about a debt I owe to Barclays. Its from a domant current account from 12 years ago. I lost my job and house during the financial crisis of 2008 and this account which was overdrawn by £30 dropped off the radar. Barclays have been sending letters to the old address for the last 12 year and not getting a reply. The account has been in-active for the time period. They've now closed the account and passed a debt of £1700 onto Moorcroft to collect. These are the charges for the last 12 years. They've been applyin a £25 charge every month which obviously I'm not aware, if I was aware I could have dealt with it. I don't think its reasonnable to attribute debt to someone who is unaware its happening. To leave this for a period of 12 yrs seems excessive. Surely Barclays have a duty to at least try to find people. Its not that difficult, you can use electoral register, HMRC etc and apparently they don't do that.
So my questions are.
Have Barclays made reasonnable attempt to find me to advise me of th debt? If you google my name my address and phone number up.
Are these charges unreasonnable?
I'm going to refer the matter to the FOS anyway to see what they say. Do you think they'll find any wrong doing on the side of the Bank?
TBH I thought Id closed all my accounts with Barclays but dont have any proof.