The Ultimate Guide to Barclaycard Debt

Have you been contacted by a debt collection agency regarding your Barclaycard Debt? And you are wondering why they are contacting you? What do they want? And what your next steps are?

We know that being in debt can feel like your world is falling apart around you, and you don’t know where to turn to.

But do not worry; reading our ultimate guide to Barclaycard Debt and speaking to one of our professionals may let you see the light at the end of the tunnel.

By contacting our financial and legal experts, you could have 85% of your debt written off. Just click and fill in the contact form below.

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What Happens If I Have Debt With Barclaycard?

The best thing to do is get in touch with Barclaycard; they have information on their website that might be worth reading.

By getting in contact with them, you are acknowledging the debt, and they may be able to help you with a solution, whether this be a repayment plan or another solution.

What happens if I don’t get in contact with them?

If you don’t get in contact with them, there will be consequences. These could be a range of different things, such as your credit rating might be negatively impacted, which may affect you in the future if you want to buy expensive purchases such as a house or car. They also might sell your debt to a debt collection agency; in this case, a debt collector or debt purchaser may want the whole debt immediately with no choice for monthly payments.

Barclays Has Given My Debt To A Debt Collection Agency. What Do I Do Now?

So you have had a letter through the door from a debt collection agency regarding your Barclaycard Debt, and you are wondering who they are?

In this part, we will be going through the most common agencies Barclaycard use.

One of the most common debt collection agencies use is called Central Debt Collection Services. Research has shown that Central Debt Collection Services is a branch of Barclays. Therefore, they follow up on accounts that are in arrears to Barclays.

Another branch is called Barclays Debt Recovery, which deals with other consumer debts.

If you are in debt to Barclays, it is more than likely you would have had some form of correspondence with either of these agencies.

What Can Barclaycard Debt Recovery Do?

They can:

  • Chase the payee to pay off their debts
  • Send doorstop collectors
  • Add interest and charges onto the debt
  • Take money from connected accounts to pay parts of the debt
  • Issue a default notice
  • Apply for a County Court Judgement

What Can Barclaycard Debt Not Do?

  • They are not allowed to come in person to your place of work
  • They are allowed to ring but can’t tell any co-workers what it is regarding.
  • To stop this, you can ask the debt collector to stop contacting you at work. (Email them as this leaves a paper trail)
  • They MUST stop contacting you at work if you have asked them to. It is the law.
  • Repeatedly call you (especially at unsociable hours)
  • Threaten the payee with violence
  • Publish information about the payee or their debts
  • Use abusive or obscene language when speaking to the payee.
  • Arrest you (however, you may be taken to court if a debt collector sues you, and you may be ordered to pay)
  • Chase you for a debt you don’t owe

How do I get in contact?

  • Postal Address: Po Box 49 Manchester M60 3EG
  • Phone Number: 03332027404/ 08448 114485
  • Email: [email protected]

If you would like more advice, please speak to one of our friendly and professional team below:

Did You Know You Can Write Off Up To 85% Of Your Debts?

Do I Qualify?

List of Debt Collection Agencies UK

Here is a list of all the debt collectors in the UK.