What to Do When Barclaycard Debt Collection Agency Keeps Calling
There is nothing wrong with owing money, as long as you can pay it back. However, sometimes you might fall into hard times and fail to remit your payments. If you have a Barclaycard and have missed three or more payments, the will call to collect the debt. A debt collection agency can harass you into paying your debt, but DoNotPay can assist you in navigating the issue.
Aside from dealing with Barclaycard Debt Collection Agency, DoNotPay can also guide you in negotiating with:
- Moorcroft debt recovery
- DWP debt management
- Advantis debt collection
- Provident loans refund
- Marston Group Holdings
- Lowell Financial
- Amigo loans refund
No matter what debt trouble you may have, we got your back.
Who is 08000518346 and Why Are They Calling Me?
The number 08000518346 belongs to Barclaycard. Barclays is a bank regulated and authorised by the Financial Conduct Authority and Prudential Regulation Authority. Sometimes, Barclays may use other debt collection agencies like Central Debt Collection Services to collect on debts.
This collection agency collects on business, personal, and Barclaycard debts. The may call you, or the Central Debt Collection Services might contact you. However, Barclays should let you know when another agency takes over your debt.
Barclaycard debt collection will reach out to:
- Ask you to pay your debt
- Validate the debt and confirm you are the owner of the said debt
- Intimidate you into paying promptly
You should never ignore the call or notification letter when a debt collection agency calls. Get in touch with Barclays as soon as possible to discuss the debt. Charges accumulate if you ignore the debt collectors because your credit rating gets negatively affected.
The Bank will also refer your case to a debt collection agency, which makes your debt immediately due. The agency might sue you, and if a court passes judgement in a court case, you might lose your property.
Barclaycard Contact Details
You can contact Barclaycard in several ways. Here are a few of them:
|Phone||0800 051 8346|
|If calling from abroad||+44 (0)1604 230 230|
|Braille, audio, or large print||0800 161 5326|
|Text relay for speech impaired||1 8001 0800 161 5276|
|Barclaycard App||The Barclaycard app is the fastest way to get help, 24/7. Log in and scroll to "Contact Us." Tap on "Chat," and you can get immediate assistance.|
|Barclaycard App||Download the app here.|
|Contact for Apple Users||See Apple Messages.|
|Postal Address||Barclaycard Centre, Norwich way
Kirkby Town Centre, Knowsley, L32 8UY
Is Barclaycard Debt Collection a Scam?
No, Barclaycard debt collection is a legit part of . If Barclays contracts a debt collection agency, they must let you know. Otherwise, that constitutes a violation of your consumer rights. Any collection agency that calls must send you a validation of the debt via writing in a "prove it" letter.
They should also provide their operation licence to prove who they say they are. If Barclays has contracted a debt collection agency, contact them for clarification.
Has Barclaycard Violated My Rights?
The FCA regulates Barclays, so they must abide by its regulations. Barclaycard has violated your consumer rights if:
- They make legal threats
- They call you at unreasonable times in the day or night
- They visit your home or property without any prior notice
- They lie to you that they work for the court
- Threaten you physically or verbally
- Talk to other people like your employer or other family members about your pending debt
- Not inform you they sold your debt to a collection agency
- Call you many times in a day
- Keep contacting you even when the debt is in dispute
- Contact you via social media
Alternative Ways to Resolve Customer Service Complaints
If your debt with Barclaycard is in dispute, or they violated your rights, resort to alternative means. Some of the available means include:
1. Alternative Dispute Resolution Schemes
Alternative Dispute resolution (ADR) schemes allow consumers and organisations to resolve disputes outside courtrooms. The two common types of ADR schemes are:
2. Financial Ombudsman
Parliament set up the financial Ombudsman in 2001 to solve issues between consumers and businesses. The Ombudsman is impartial and fair, and before it takes up a case, they ask consumers to:
- Contact the company and try to resolve the issue. If the company does not respond in 8 weeks, you can file a complaint. The Ombudsman will listen to the company's side of the story and decide.
If Barclaycard is wrong, the Ombudsman will ask them to correct the matter. If you reject their decision, you can go to court.
- Wait for a deadlock letter from Barclaycard stating the matter has reached a deadlock.
The Ombudsman should contact you within ten days with a way forward.
3. Small Claims Court
If all else fails, you can sue Barclaycard in a small claims court. However, the claim should not exceed £10,000, which is the maximum a small claims court in the UK handles. If you feel you deserve more, then a small claims court is not for you.
How to Make a Payment to Barclaycard Debt Collection
You can pay your debt with Barclaycard in several ways:
You can make payments online via your debit card and within the Barclaycard app or online services. When making a payment via the Barclaycard app, select make a payment on the main menu. Barclaycard online service, go to the main menu and select "Payments."
- Direct Debit
Set up automated payments via direct debit. Barclaycard has three direct debit options:
- The minimum amount
- Fixed amount
- Full balance
If your card qualifies, you can set up the direct debit by contacting customer service or within the online service.
- Through Your Bank
As a Barclays bank customer, you can pay the debt via online banking services or phone. You can also use the Barclays Mobile Banking app. If you are not a Barclays customer, you can pay via your current bank's online or telephone services. Input your card number as the reference number to ensure the payment reflects in your account.
- By Calling
Pay over the telephone by calling the Customer Services team. Ensure you have your debit and Barclaycard at hand.
Get Debt Collection Assistance From DoNotPay
DoNotPay can help determine the legitimacy of your Barclaycard debt. If you opt to report to a trade association, we'll help you check whether Barclaycard violated the law when demanding payment. Answer a few questions before moving to the next phase.
Here’s how it works:
- Search “debt collection” on DoNotPay.
- Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.
- Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to a professional trade association.
And that’s it! We can contact Barclaycard by sending them a demand letter. DoNotPay helps you file your complaints about Barclaycard debt collection on your behalf.
What Else Can DoNotPay Do?
Other than helping you ward off debt collectors like , DoNotPay does more such as:
- Suing any company in a small claims court
- Increasing your credit limit
- Get help with bills.
- Protect you from identity theft
- How to contact an inmate
- Get you free trials
- Filing HR complaints
- Help you schedule a DMV appointment
- Earn airline compensation
For a solution to all your problems, !