in October 17 I asked Barclays for help stopping interest in my credit card and accept my minimum payment of 50each month explaing my difficult situation (due to gambling pay day loans, unsecured loans different thread ) , I was honest and I provided budget spreadsheet

they refused saying that I won’t able to pay the 50 and they will continue to charging me the minimum repayments what was over 80 each month and I was paying. They immediately cancelled my card which on that time was ok for me because I didn’t have plans to used any more only start to repay.

I received todays letter that they registered default on my account and they are asking to repay all outstanding balance 3,500

well I can’t and if not they willl pass my debt to collection agency .

I am shocked because my understanding was that if I am repaying minimum each month on time login to my account it’s ok .

Please help,

I was doing everything to avoid defaults doing for what they asked.

in the beginning I had outstanding over 200 in December

I had letter if I won’t pay this before 3rd of December they will register default

I paid on time and after I was always on time .

Can I still do something to cancel default ???

Can they do this if I was paying my minimum on time ???

did you clear the full sum on the default notice by the date it demanded

The fact that they have declined to assist you when you have asked, tells you everything about sharklaycard.

Have a read of CCOBS and see where they have failed to assist you as a customer, start their complaints process.

If you haven't got all of your statements then send them a SAR (£10) and get reclaiming ALL of their fees and charges including interest at their rate.

They're going to wish they'd given you some help.

Hi Wiosna,

No surprises that BC failed to assist when you asked and tried to do the right thing.

If you've had default charges over the years, these should be reclaimed in full to reduce the balance.

Even if they failed to assist when they could or should have, you're most unlikely to get a default removed by BC unless penalty charges and interest exceed the a/c balance.

I will have Today call from Barclays, because on Saturday they didn’t want to tell me default amount, she said she can’t tell me!!!!

I am guessing they didn’t update my account after my payment and the same they didn’t stop default process.

yes I did, and before date from the letter and after 3 months everything on time and full payments

I didn’t get call from Barclays regarding my default yet.

Maybe my first post was not enough clear so I will easily explain again (I am sorry)

I sent them letter that I am in difficult financial situation providing budget and offering £50.00/ Month (many loans, payday loans, gambling) and asking to stop adding charges and interest. I did this twice, first by post and after again they requested by email.

After my letter they cancel my card even if I didn’t ask and they rejected my offer telling me that I won’t be able to pay even the £50.00 and they can’t accept it. I called them explaining that I have help from family and I will pay the £50.00, still NO

I had letter requesting in this case minimum payments each Month including interest, what was always over £80.00

I had over £200.00 in arrears because I was waiting for decision.

Received letter if I won’t pay amount in arrears , I think it was before 3rd of November they will register default

Full payment of outstanding amount made on the 1st of November and after each Month everything on time and in full, was always over £80.00

I don’t know why Default has been registered, I called them but I could not get answer.

They cancel now my account so no access and no option to make any payments.

If I remember they send me letter after in December that they can’t help me and they going to register Default but I need to be honest I ignored that letter because everything was up to date with my payments and on time. They include a cheque of £50.00 as an apologies

Card / account was not old, I opened In March 2017 and I stared having problems from end of August 17

Please let me know step by step what to do now, what to send and where to remove Defaults from my Credit files

Hi Wiosna,

The problem is that you did what you thought was right, but you you should have asked for advice here first. By telling BC you were in difficulty, they had no option but to cancel the card to stop you spending any more. If you wanted to avoid the default, you should have continued to pay the minimum each month, but I realise you weren't able to do this. Hence, the default.

They have the right to demand repayment in full. You couldn't repay the amount owed, so the default is lodged. You're not going to get the default removed.

Even though BC had a duty to assist you by considering stopping interest and/or default charges, they would still have to cancel the card and try to get the debt repaid.

I don't see any way you will get the default removed. But, from what you say, your CRA files may not be good anyway.

Best thing in my opinion is try to arrange a repayment amount you can afford based on your budget planner.

Maybe others will have a different view but this is what I think.

Hello, I was paying even if I had difficult situation ,

I was paying the minimum requested and in time !!!

Sorry if you did not understand my comments , I was paying anyway !!!

Can they still default me ????

My credit file it’s not perfect but no defaults ,

I have everything in place and organised,

this one it’s my first one and I don’t understand why,

I was paying anyway the minimum as requested !!!

And always on time.

Where to go to complain????

The first place to complain is directly to Sharklaycard.

Hi Wiosna and thanks for the info about your CRA records.

I read through your posts carefully before giving my opinions above.

When you asked BC to stop adding interest, this put them on warning that you may be experiencing financial difficulties - this may have been your first mistake.

While you were waiting for a decision about your offer, arrears built up and this was your second mistake.

They decided to cancel the credit card agreement and seek full repayment, which they were allowed to do in the circumstances.

If you want to complain to BC about the arrears that accrued while you waited for them to consider and to re-consider your offer, you can do so. But in my opinion, you're unlikely to get them to change their decision to call in the debt in full; and the are highly unlikely to remove the default marker.

Try if you want as it'll cost you nothing and will do you no harm.

I spoke Today with Barclays complain department

I heard the most stupid things in my life

- they told me that they defaulted me because I didn’t respond to them after receiving letter telling me that they can’t accept my offer and I won’t be able to make any payments so ....

no checking my account they put default,

I was thinking that defaults are for not making payments not for not responding to letters

She has to ask some Senior to remove it and let me know tomorrow.

I didn’t call them after rejection because I paid outstanding amount before and someone on the phone told me that they going to stop default process and I don’t need to worry about.

I was paying after each Month without any problems

sounds promising