Thanks I will send them a CCA now. I don't have the letter to hand, but as I understand it, their system means they will only freeze interest if the monthly payment is below a certain % of the total outstanding debt. Its a set scale. My monthly repayment means it in the 3% bracket (awful that I don't know if that's monthly or yearly - I will find that out!) I haven't look at claiming for PPI as I'm sure I never had any. Likewise with the penalty charges, I paid everything on DD and somehow never went over my limit so I don't think I'll have any charges (I went straight from having all my accounts up straight, to the DMP - no "token payments" or missed payments in between. Just seems rough they wont stop interest unless you drag the debt out... or don't pay at all. Thanks for taking time to look through this

Hi Slick132 - thanks for the welcome! Total owed to Barclaycard is £11.5k I have twice written to Bcard to request they stop interest, quoting the lending code - but they write back saying not their policy as I'm paying too much each month (£180) this is the figure originally proposed by Stepchange as a fair split of my total repayment to all creditors. BC are currently charging me 3% interest, but this will increase as my outstanding debt decreases and therefore my monthly repayment = a higher %. They also wont default while I'm paying this (doing me a favour they say!) I could stop paying BC which would probably mean they'd default me and stop interest pretty quickly, but the flip side to this is that Step change would then cancel my DMP and I'd have to deal directly with each creditor. I guess this is my best option but I hesitate to do this as I'm scared the lenders will push for more and take me to court (not sure why that would even matter!) I just want BCard to freeze interest (but even better if it becomes unenforceable if I'm being honest). Do you think I would be worth another request to stop interest then, rather than a CCA request? Thanks

Thanks DX DMP is with Stepchange. Stepchange have said NO to stopping paying BC. I guess I could self manage but I'm worried about doing this. Other debts are with MBNA credit card (defaulted. No interest) card taken out 2008 £4k Lloyds Personal Loan (defaulted. No interest) taken out July 2012 £11k Lloyds Credit Card (defaulted. No interest) card taken out in 1998 £12K Lloyds small overdraft (defaulted. No interest) £500 Not reclaimed charges or PPI (don't think I had any PPI) on any of these accounts. Still paying original creditors ATM - although have had mention of accounts being passed on as next stage. As it stands all call and chasing etc has stopped - I'm concerned I'll be stirring up a hornets nest if I push them..! Thanks

Morning Sorry for the "hand holding" request - I'm new to all this. I'm 10 months in to a DMP, largest creditor being Barclaycard (this was an Egg card taken out in approx. 2001/2002). Agreed payment plan would mean debt is repaid in 6 yrs if no interest charged. Despite several requests Bcard will not freeze interest, or default me, but show AP on Credit File. I'm paying too much each month as a percentage of the debt for them to do this apparently. Under the terms of my DMP, I can't drop the payment to them as total monthly debt repayment has to be distributed fairly between 3 other creditors. I was thinking I would send bcard a CCA request but not sure what this would mean if they don't have one - would this give me more leverage with them to demand interest is frozen? Or, if they do have one, would they then get more forceful and demand more / CCJ me? Any thoughts would be really welcome. Thanks