Barclaycard Debt Collection Agency – Should You Pay?
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.
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.
Have you just got a letter from Barclaycard Debt Collection Agency? You are in the right place. Every month, over 170,000 people visit our website for guidance on their debt problems.
In this guide, we will show you:
- How to check if the debt is really yours.
- Why you should not ignore Barclaycard Debt Collection Agency.
- Ways to stop them from bothering you too much.
- How to set up a plan to pay back the money.
- If it’s possible to have some of your debt written off.
We understand that receiving letters from debt collectors can be scary, as research shows that nearly half of the people who are chased by debt collection agencies have experienced harassment or aggression1.
You’re not alone! We know how to deal with these letters. Let’s start discussing your options and determining what your next steps should be.
What happens if you have debt with Barclaycard?
» TAKE ACTION NOW: Fill out the short debt form
Can they visit your home?
Our financial expert, Janine, says: ‘I understand that having a debt collector at your door can be scary, especially when you are already under huge financial stress. It’s crucial that you stay calm and know your rights. They have no power to enter your home or take any of your possessions.’
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.
Can you write off your Barclaycard debt?
As you can see, sometimes debt collection agencies make a mistake and send collection letters to the wrong people.
We always recommend asking for evidence that you are liable for the debt before you make a payment. Keep in mind that you are not obligated to pay anything until you are given evidence that you owe the debt.
Follow our ‘prove it’ guide with letter templates and get them to prove that you owe the money.
Check if it’s statute-barred
If it has been 6 years – or 5 years in Scotland – since you last paid towards your unsecured debts and you have not written to your creditor about your debt during this time, it is statute-barred.
This means that the debt is not enforceable.
It still technically exists, and you still technically owe the money, but there is no legal way for you to be forced to pay or for the debt to be enforced.
Keep in mind that not all debts become statute-barred! Any HMRC debts, for example, will stay enforceable for decades.
Any debt that had a County Court Judgement (CCJ) attached to it during the 5 or 6-year window it will be enforceable for the duration of the CCJ.
Use a debt solution
There are a few debt solutions that will allow you to write off part of your unsecured debts. They are:
- Individual Voluntary Arrangement (IVA) or Trust Deed
- Debt Relief Order (DRO)
- Bankruptcy or Sequestration.
Keep in mind that the amount of debt that you can write off will vary, depending on your circumstances.
If you would like more information, you can check out our detailed debt solutions guide.
Your Rights With Debt Collectors
It’s common for debt collection agencies to try to intimidate you. However, they are not allowed to harass you.
To prevent unfair treatment, it’s crucial to understand your rights. That’s why we’ve prepared this table that explains what debt collectors can and can’t do.
If you’d like to learn more and require further advice, make sure to check out our detailed guide.
Debt Collectors Can | But They Can’t |
---|---|
Contact you by phone or mail. | Call you after 9pm or before 8am. |
Conduct home visits (on rare occasions) and knock on your door. | Forbily enter your home, or stay if you ask them to leave. |
Threaten to take you to court by suing you for payment on a debt. | Harrass you, including threats of violence, repeated calls and visits, or abusive language. |
Negotiate a debt settlement. Tip: make sure to get this new arrangement in writing. | Visit your workplace. |
Access your bank account, but only after a court judgment has been made. | Take anything from your home or threaten to do so. |
Sell your debt. | Speak to other people about your debt without your permission. |
Contact you frequently. | Keep doing so if you request that they reduce communications. |
Remember, debt collectors can’t come to your workplace, act threateningly, force payment, or discuss your finances with others. If they violate these rules, you can complain.
Thousands have already tackled their debt
Every day our partners, The Debt Advice Service, help people find out whether they can lower their repayments and finally tackle or write off some of their debt.
Natasha
I’d recommend this firm to anyone struggling with debt – my mind has been put to rest, all is getting sorted.
Reviews shown are for The Debt Advice Service.
How do you make a complaint?
If you think that your debt collector has been unreasonable or behaved inappropriately, you can make a complaint.
You can also make a complaint if you feel that they have broken any of the Financial Conduct Authority’s (FCA) guidelines.
Fortunatley, filing a complaint against Barclaycard debt collection companies is quite straightforward.
Make your first complaint to the debt collector in question so that they have the chance to sort out the issue themselves.
If you feel that they have not taken your complaint seriously enough or have not addressed your issue properly, you can escalate matters.
You can make any secondary complaint to the Financial Ombudsman Service (FOS).
They will investigate and, if your complaint is upheld, the debt collection agency may be fined. You could even be owed compensation.