Many moons ago I was a very poor student, living on a student grant & my current account from Barclays.
As soon as I graduated, they demanded a huge £££ per month to clear my then large overdraft. As I wasn't earning much then, I sought legal advice from the Citizen's Advice Bureau and the whole account was closed & a CCJ was enforced. Since then - every month for the past 12 years - I pay a couple of £s per month to honour my CCJ.
I want to make an offer of 15-20% of the total balance (which is about £9.5k in total) of which 1/2 the balance is actually interest they kept on adding before the CCJ was agreed.
I am now working full-time but am not in a position to clear the total balance. I want to satisfy the debt once and for all as myself & my partner hope to get a mortgage soon. I am debt free apart from this CCJ.
I tried calling their debt recovery debt tonight and was very aggressively questioned by a female recovery agent as to my current earnings, new address and personal details as they have no up-to-date records for me even though I have never missed a payment but have never received a statement or contact from them since the CCJ was established.
As we don't want our current address or contact details added to this CCJ account, can anyone advise if a PO Box Address could be set-up to deal with final settlement offer? As anyone on here dealt with Barclays Recovery dept?
Any advice will be extremely appreciated.