08001615204 - Who Called? Stop Barclaycard Debt

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

Did you get a surprise call from 08001615204? This belongs to Barclaycard, a debt collection company. Don’t worry, we’re here to help.

Each month, more than 170,000 people come to our site to learn about debt solutions, so you’re not alone.

In this article, we’ll help you understand:

Why 08001615204 called you
How to stop the calls from Barclaycard Debt Collectors
If you can write off some of your debt
What to do if you can’t afford to pay
How to check if Barclaycard’s claim is right

A significant survey completed by StepChange UK found that 83% of the 1794 clients included had at least one creditor who did not take their vulnerabilities into account¹. We understand that being contacted by debt collectors can be scary. But with the right knowledge, you can get ahead of the situation.

Ready to learn more about 08001615204 and Barclaycard’s debt collectors? Let’s get started!

Reasons why you were called by 08001615204

Barclaycard could call you from many different numbers. The primary reasons they call people are:

To collect payment – Barclaycard Debt Collectors are likely to call you from 08001615204 for the principle reason of getting you to pay the debt promptly over the phone.

They will ask that you make a payment via credit/debit card covering the whole sum or that you agree to pay monthly instalments until the account is paid off.
To gather details – a common debt collector tactic for finding debtors is to send out automated letters to all potential addresses to those with the same/similar names.

By calling, debt collectors may be able to identify who owns the debt and then start making plans on how to retrieve it.

A phone call from Barclaycard is likely to be made to gain information about the debtor such as their income, expenses and ownership of items of value which may help them pay off the debt in the future.
To intimidate you – as previously mentioned, debt collector letters are automated more often than not and therefore not hugely threatening.

However, a follow-up call is more likely to put a debtor under pressure and encourage them to pay to prevent collectors from Barclaycard from coming to their house.

Typical Debt Collection Process

If you’re receiving calls from 08001615204, don’t worry; this is quite common. It’s part of the first stage of the debt collection process.

We’ve put together this table to help you better understand the debt collector timeline. For more information, be sure to check out our specialized guide.

Stage	Actions	What you should do:
Missing one or two small payments	Calls and letters from the debt collector asking for payment. They may enquire about reasons for missing payments.	Contact the debt collector and offer to pay what you can. If you are struggling to pay the debt, get in touch with us to explore your options.
Missing large or multiple payments	Their contact will become more frequent, urgent, and threatening.	Contact the debt collection agency and offer to pay what you can. You may also make a complaint if you think the letters are a form of harassment.
Debt collector visit	After a few months, if the debt is significant (£200+) you will receive notice of a debt collector visit. They have to notify you before arriving. Debt collectors cannot take anything from your home – they may only ask for payment.	If a debt collector shows up at your home, ask them to show proof of the debt and their ID through a window. Do not open your door or let them in. You can arrange a payment plan with the debt collector, but make sure to get a receipt of this.
Court	If you still do not pay your debts to the original lender/debt collector agency, they will take you to court and either attempt to: – File a CCJ against you. – File an attachment of earnings order. – File a lawsuit against you.	You must show up to your court date. From here, you can either dispute the debt, or the judge will likely suggest a manageable repayment plan for you.

Remember that if you’ve missed a payment, you should contact the debt collector and offer to pay what you can.

How a debt solution could help

Some debt solutions can:

Stop nasty calls from creditors
Freeze interest and charges
Reduce your monthly payments

A few debt solutions can even result in writing off some of your debt.

Here’s an example:

Situation

Monthly income	£2,504
Monthly expenses	£2,345
Total debt	£32,049

Monthly debt repayments

Before	£587
After	£158

£429 reduction in monthly payments

If you want to learn what debt solutions are available to you, click the button below to get started.

Get Started

Should you ever try to ignore 08001615204?

We always recommend responding to debt collectors — even just to question the debt’s validity. Remember, you have the right to request proof of the debt. They have to prove it, or they can’t charge you.

Don’t forget to watch this short clip to learn what the law forbids and what you can do to evade exploitation from these debt collectors: