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Hello out there to anyone who can help. I currently have a thread running in legal issues http://www.consumeractiongroup.co.uk/forum/legal-issues/192275-ccj-interest-debt.html and as the advice I've been given has made me lift my head out of the sand a little more I thought I'd try and tackle my issues with Barclaycard. I had accounts with Goldfish and Morgan Stanley(probably around 7-10 years old) which unfortunately ran into difficulty. I arranged payments with both these accounts on an interest free basis and all was running smoothly. Since last year Barclaycard have take over both