 Account Closure
bit off track this one, but i've been taking barclays to court over my bank acct recently, with a view to move onto my credit card next.
in the meantime, i had to cancel my direct debit a while back and each month i've logged in online and paid the minimum payment on my barclaycard. Over xmas, i forgot. this week i got a phone call requesting payment, but won't have funds til the 25th, so told them that. they set payment to come out on the 25th.
i then got a letter yesterday asking me to destroy my card, and to not use the details for anything, and also to set up a direct debit to arrange paying off the balance.
Am i within my rights to demand that as i have no credit facility, that if i arrange a payment plan (say £100 a month for 5 months) that they should give me 0% interest on the balance as opposed to the extortionate 24.9% i'm currently paying?
should be worth a try i'd have thought? | 
