Hi folks, I've been struggling to pay off my Barclaycard for many years now. It tends to fluctuate up and down, jumping to and from Mercers whenever I can pay some off, so this keeps happening. However last month I recieved a letter from Barclaycard informing me that they had been overcharging me on this card for some time. They then refunded a few hundred pounds onto the card which brought the total to just over the credit limit. and my minimum payment back down, which was very relieving. Though in retrospect the amount of stress and worry I have went through trying to deal with debts (which I'm sure others will agree) has led me to wonder is there any sort of action I can take on Barclaycard for all these charges I didn't deserve and putting me through this? Any advice would be greatly appreciated! Thanks

Recent signup here, Just reading your post on generating revenue for CAG. Some of your members are in the process of helping me with my debt issue for which I am very grateful, and as I am a multimedia designer myself if you would like I would be happy to help out with a web advertising strategy. Tried to send a message but unable to!

Thanks so much for the quick help folks, I already feel better. I'll keep you posted!

Hi and thanks for the quick response! Just to confirm, that won't get me into any sort of trouble like I'm totally denying the situation? The problem is I'm doubting myself now when I probably shouldn't be.

Hi there, Apologies if I shouldn't be starting my own thread regarding this but I couldn't find information specific enough, I've also been asked to pay the full amount within 10 days of the date on the letter I received yesterday, but since it's over christmas and the post is crap I've been given until tomorrow! The basis of the letter is a formal demand for payment from Robinson Way, they are representing an apparent credit card debt I owe from a card I thought I had cleared quite some time ago, the bill is now almost double the original credit limit. Herein lies my problem. As this to me was ancient history, I have no record of my last communications with the card company which would probably be around 5 to 6 years but I can't be sure. I don't have any records of payments made (at this point I'm assuming whoever dealt with my final payment was an idiot and I took my eye off the ball and forgot about it, letting charges balloon for 5-6 years) So this letter is saying "pay tomorrow or court" and I don't feel I have a leg to stand on. Should I send them a letter saying I beleive it's statute barred? Will that make things worse if it's not? Should I request documentation of the debt first? I have a tendancy to become very worried about things like this and I really don't want to go to court! Any help would be massively appreciated.