The account was canceled, which I assume is the same? When I failed to make the catch-up payment late February this year. Just got off the phone and they agreed to chat again in 30 days and freeze all fees etc also to send me a letter confirming everything. It was a lot more pleasant conversation than the last few and the agent mentioned that even if I don't catch up in that time its fine just to keep them updated of my circumstances and make the payments I can. Obviously, this is easier as I don't have any other debts or responsibilities. I will be starting the new job on the 3rd or 9th depending on when my medical clears so can look forward to getting back ahead soon hopefully. Thank you all again for the advice, it really is very kind of you all to take time to assist random strangers on the internet!

Hey guys, thanks so much for all the assistance. Feel pretty good about getting offered this job probably tomorrow so will ring them and try and figure out the details when I have that confirmed! Really appreciate you taking the time to assist

Thanks slick. If they pass it on to collections or a DCA what would be the process there? Will they give me a chance to start making payments or would they show up expecting a lump sum? I've been living at my mums since returning to the UK, could they show up and start trying to take her belongings? I would guess the answer to these Q's is no but still just want to be prepared.

Thanks so much for the response. I got a text today mentioning the 30 days was approaching and to call to review the situation, I have an interview tomorrow that could lead to starting as soon as next week so my plan was to wait until after that and hopefully have an offer of work to tell them about. I guess given the card is canceled/my credit rating is now dead am I being Naive in my desire to still continue to pay off the full amount asap?

It would have been around 2004, sorry didnt realise that was needed info.

Hi all, I'm totally new to all this and have had a situation develop over the last 6-8 months where I was unable to pay my credit card bills. My credit was 12k, I ignored it for a few months while dealing with some family issues. I got in contact with them in January and set up a plan to catch up over a 3 month period at £600 a month, I made the first payment but failed in February when I had to take weeks off dealing with my older brother (45) passing away and needing to help my mother through that process. When I called to tell them they told me the card was now cancelled and they were going to pass me on to a debt agency. At that point, I said I'd prefer to deal with them if possible and have every intention of catching up and paying the card off asap, they gave me 30 days to contact them again. I am approaching the end of that period and have made very little progress. There is good news that I've interviewed for 3-4 diff engineering positions and should soon be back earning 5-6k a month. I guess my questions are in my position what is the optimal approach to clearing this debt, my instincts of guilt say deal with Barclaycard and plan on paying the full amount back. I also fear the debt being sold and some horror story of dealing with that. Is that logical? Would I actually be better off having them pass it to a third party? All in all, I'm just a bit overwhelmed by it all and want to have it sorted. I should have started looking for work sooner, I've been self-employed remotely in a weird industry for the last 10 years that's shrinking and I tried to hold on too long. Through old military friends, I feel very very confident I will be working soon. Any help on how to approach my next call to Barclaycard would be very welcome! Sorry for the long ramble, I am just super clueless with all this and never expected to be in this position.