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Hi, this is my first post on this site and I would like to thank you all for help and guidance I have recieved. This is my history so far;- 9th October sent 2 x DPA letters to Barclays Bank 9th October sent 2 x DPA letters to Barclaycard (only got reply on one) 9th October sent 14 day letter to Barclays requesting £1180 refunded 14th October recieved letter from Barclaycard stating files on microfiche "not readily accessable" Asked for £3 per statement 17th Octboer recieved 2 x lots of statements from Barclays 24th October issued small claim against Barclays (£1180 increased to £1482.75) 24th October sent 14 day letter to Barclays for refund of £3535.00 I will keep you all posted, thank you.
Hi all. I have a problem regarding reduced payments to credit card companies and was hoping somebody may be able to help. In August 2006 I became sick and lost my job. I had three credit cards and up until then had made regular payments on all accounts. I continued with the payments until the start of 2007, which was when my savings ran out. I sought advice and offered all three companies a £1 per month payment until my circumstances changed. All three accepted with a note to review at a later date. 7 years on, I pay £30 per month to both Apex debt management and Halifax's Blair Oliver and Scott. They regularly review the accounts and occasionally increase the payments. I have paid £1 to Barclaycard since 2007 and they have never contacted me to review my account. The did send me a letter in 2010 with an offer of a settlement figure but other than that, there has been no contact by letter or telephone. I recently called them but they could not find my account. If I stopped paying this £1 per month, what would happen? Someone mentioned if there had been no contact for a certain time, then the debt could be written off? Any advice would be appreciated. Thank you