Hi, Summary: I had an old Barc curr a/c from '94 to '08 with plenty of "unauthorised" charges etc on it (still £1300 o/d left) and various, separate loans rolled in to t'other with Call Serve now chasing the remaining £7.5k thereof...." Instruct one of our local collectors.......Proceed with legal action for recovery" Situation: I'm temping in the financial sector and can't afford a CCJ resultingly. My contract will end at Xmas and I will have to find similar? work thereafter as and when it materialises. Furthermore, I have had to leave my last, rented address and have a mail redirect in effect until I can (hopefully) move in to a friend's place without advising any of my creditors of this. My credit file is a shocker and I have bugger all money so I would regard myself as vunerably housed (have just made a similar post at B/Card in case you are getting deja vu ;-). Resultingly, I want to pay as little as poss (pref nothing) to my creditors without jeopardising employment prospects. Gameplan: I would like to use as much of the "unauthorised" charges on the current a/c to offset the charges thereon with enough left over to clear some of the Barc Loan as well whilst having a delaying stategy on both until I can earn a few grand in future employments to wipe the slate clean across the two. As I doubt I have the majority of the statements on the current a/c, I would need Barc current a/c to play their hand by issuing a CCJ so necessatating the provision of all historic statements, then fighting to reclaim charges so I could clear that debt and the other. I appreciate this is a really tall order and would be really appreciative if anyone can help with tactic/strategy advice so I can try to pull this off! Many thanks and to all