I am not an expert on these matters but I would take care with Barclays as I think they are the most slippery of hte lot. I would not trust anything they say on the phone. I am currently on a Debt Managment Plan, all my other creditors deal with my debt management company, are freezing interest etc, but Barclays bypass them all the time, refuse to deal with them, pretend they have lost paperwork, refuse to respond to my very reasonable complaints to follow OFT guidelines. I would therefore take care to get something in writing from them if you can, and be very cynical in your dealings with them as they make life as difficult as possible if they can..

I had a victory with Barclays and their telephone harrassment. I wrote to them asking them why they were calling my parent's home when they knew where I lived and pointed out they if were seeking to discuss my debt with a 3rd party, this was illegal; also that they are harrassing my father who is sick. Within 24 hours all calls - to me, to my parents, to my mobile, ceased, along with all threatening letters. Now they call me once a week, withhold their no and leave a nervous message.

Can I extend this discussion and ask for advice re family harrassment by Barclaycard? Whilst I am waiting for National debtline to assign me a debt manager to negotiate freezing of interest / pro rata payments, I am getting a lot of calls from creditors but Barclaycard are the most aggressive. I have goodwill payments and written to them advising that the debt manager will be in touch soon so though I ignore their calls, they know the situation. They are continually calling my parents house even though I don't live there. My father is mentally ill, also stress for him. They are quite crafty as they don't tell them it's about debt (as OFT says they can't) but by leaving so many messages so often it's obvious to my parents they must be chasing for debt - or why else would they call 20 times a week. I have written to them ordering this harrassment to stop. Are they allowed to sell my debt to another agency (they have sent a text advisign they plan to do this) whilst I have made a complaint against them?