Thanks for that slick,I'm not the best on computers I,m afraid !!! Understand what you are saying however,my family and I have no intention of returning to the uk (extended family have also moved away). Simply couldn't afford to being one of the reasons. At present I am paying my creditors what little I can afford and will continue to do so,but I want to do it on my "terms".Once I get it down to a certain amount I will cease paying, reason being is that l will consider that the remaining amount is what they will probably owe me in interest and charges from over the years.Sorry,I hope I'm making sense.I don't have the time to reclaim or "fight them all the way" so to speak.I know they can harrass me with threats of letters and dca's and so forth, but this I can handle with the template letters on this site and the excellent advice of fellow caggers.So really what I'm asking is,can they make me pay more than what I'm paying now (they can add as much interest as they like)? In 12/18 months time I will be emmigrating again (outside of the eu) due to my wife's work so I intend to leave a small outstanding debt to my creditors,thus deeming the remaining amount to be what they owe me in charges etc..I know this is not the "normal" way to go about it, and unconventional ,but in your humble opinion ,is it possible without being taken to court?

Because I live in the R.O.I. and I have no ccjs against me at my previous uk address that cc companies are unable to claim back my debt? Is there anyone who can give me an answer to this? However, I do feel that I have more than paid back my debt in interest over the years !!! Thanks in advance

Nearly Hear,I am also wondering if that is the case.Hope we get an answer soon.

Thanks for your quick response Bankfodder.I will take note of your advice. As you can guess this is all new to me so have a lot to learn.

Could someone please advise.Currently have a cc with Barclays which is just under 4 grand in the red .I had a payment plan set up with them, all be it verbally,where I would pay £40 a month and the interest frozen.Now ,in order to get the interest frozen I had to pay 2 consecutive months of this amount before the interest was stopped,I duly obliged .Yesterday I recieved my statement,and guess what,£89 in charges (interest).Tried to ring them yesterday and was put through to 4 different people, and this is the problem, (a)I reside in the R.O.I. (B)was speaking to someone in India (call centre i guess) ©the call was costing me a fortune (currently unemployed) (d) refused to ring me back (e)the 4th person left me on hold for a number of minutes to check on something and when he returned,refused to tell me what he was checking on.I have a payment plan with 3 other creditors and have no problems with them.So the question is i guess,whats my next step,I'm tempted to just stop paying and let them whistle for it seeing as I don't live in the U.K. anymore (I don't have any c.c.j.s against me),so was wondering where I stand on this.Tried to sort this out but I'm damned if I'm going to spend any more money on international phone calls.Wondering what the legal side of things were regarding all this. Would appreciate any advice,thanks in advance.