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08001615204 – Who Called? Stop Barclaycard Debt

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Scott Nelson

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MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.

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Janine Marsh

Financial Expert

Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.

Learn more about Janine
· Feb 14th, 2024
Could you legally write off some debt? Answer below to get started.

Total amount of debt?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

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.

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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!

Could you legally write off some debt?

There are several debt solutions in the UK, choosing the right one for you could write off some of your unaffordable debt, but the wrong one may be expensive and drawn out.

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

Reasons why you were called by 08001615204

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

  1. 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.

  2. 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.

  3. 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.

I’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:

  1. Stop nasty calls from creditors
  2. Freeze interest and charges
  3. 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?

I 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: 

» TAKE ACTION NOW: Fill out the short debt form

How to deal with Barclaycard Debt Collectors? 

I’ve written a step by step manual on how to act when Barclaycard contact you and methods you can use to stop them in the article linked below:

Barclaycard Group Debt Collectors – How to Stop Them

Barclaycard Group Debt Collection Contact Details

Registered Office: 1 Churchill Place, London E14 5HP
Telephone: 0800 151 0900
Website: https://www.barclaycard.co.uk/
Could you legally write off some debt?

Answer below to get started.

How much debt do you have?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

References

  1. Step Change Creditor and Debt Collector Conduct
The authors
Scott Nelson Profile Picture
Author
MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.
Janine Marsh Profile Picture
Debt Expert
Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.
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