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Many thanks for your suggestions; I have just thought of a possible scenario. If Barclaycard did accept a settlement figure at a much reduced amount, effectively writing off the debt would they then be able to enter a bad credit mark against my partners name?

Hi all My partner has debts of approximately £4000.00 spread over her two Barclaycards, they have both been frozen so no more interest is accruing and she is paying a token amount of £35.00 per month off of the total amount outstanding. Does anybody know if Barclaycard will take a reduced settlement figure to wipe off the debts? If so what department do I contact to see if they will settle the outstanding debts? Many thanks:)

Hi I have just received a letter saying that Abbey are pulling in my £850.00 overdraft and this has spurned me into taking action. I have a feeling that I should try and obtain a written agreement to pay back this as a regular monthly amount before launching a possible Court action for £1709.00 bank charges. Now I am in the fortunate position of having six years of bank statements so I presume once I have sorted out my repayment of the overdraft then i can just write to them requesting full payment within seven days or then launch straight into Court action?