Yes, slick, the last payment was credited to the account on 4/4/12. I have it on the sar data. I missed april & may,(just forgot to pay due to family problems away from home) and barclays assigned it to a dca. I made 1 payment to them in June 2012 and it doesn't look like it was ever credited to the account. I am awaiting the copy of the cheque from my bank. I am willing to negotiate with barclays over re-servicing the debt, but not to a dca. The sar data shows no charges except interest, which was included in the ppi award anyway.

Thanks for your replies.

What I mean is...between the last payment made... and the 6 year point with no further payments made, what defence could I present if a dca was to serve me court papers?

Hi, Hope you all had a good weekend. However, What if a dca tries to take me to court ? What would constitute a full defence, as per stella's previous post ? And would it count against them, as opposed to original creditor ?

I understand the 6 year thing, statute barred.. Thank you for your response...it is most appreciated.

For now ? what about Barclays next move ? court action ? another dca bottom feeder ?

[ATTACH=CONFIG]43565[/ATTACH] there you go...

[ATTACH=CONFIG]43564[/ATTACH] well, Zinc threw in the towel quick...received nothing relating to the cca request, even though I did ?? have they been read the riot act or something???

The BarclayLoan a/c is delinquent, but not shown on the cra file. It shows no defaults at all.Also only appears to go back 6 years with most accounts.

yep, as in posts 92 & 93 . tx for all your help.

Well, if Zinc have bought the debt then why refer to Barclays as their 'clients' ?

ok still don't know who really owns this debt, though.

Internet time up...will be back on this evening.

Hi slick132,I had a successfull claim back in November last year.I then waited for Barclays Recovery Unit to get in touch about the remaining outstanding debt,(probably my mistake) anf they contacted me in January with another Notice of Assignment, collection to be handled by Zinc.so I snet off for the cca.It just looks like a cobbled together agreement as I stated yesterday.I would rather re-service the remaining debt with BRU than give Zinc a single penny. Not sure where to go from here.where do I go from here ?

[ATTACH=CONFIG]43281[/ATTACH][ATTACH=CONFIG]43280[/ATTACH] Done, dx.