Barclaycard refuses monthly offer

[Red smartie]

Hi

After going to the CAB and creating a budget, it was recommeded that I offer Barclaycard £5 per month. I made the offer and have made payments of £5. However, Barclaycard are demanding a minimum of £200 per month when I am not working, have defaulted me and passed my details to Mercers. Mercers are charging a much higher rate of interest than Barclaycard. As I do not have a contract with mercers do I need to pay their interest rates? Also, what can I do with Barclaycard as I have asked them for 6 months interest free and will pay them more than the minimum when I have it.

[firstship]

Hi.......read thread barclaycard/mercers (gem77)./all of your answers there.................all the best..FS

[rebel11]

Hi Red Smartie

 

Mercers are part of Barclaycard, don't let them make you think different.

Stick to your guns and only pay what you can afford.

 

Have you been mis-sold PPI or have you got Penalty Charges that you can claim back with interest?

You can claim back at least six years worth.

 

It would help reduce your arrears.

Templates and spreadsheets can be found on this site.

Edited July 26, 2010 by rebel11

[slick132]

Hi RS,

 

You may find BC more willing to accept your offer of token payments if the CAB writes to them on your behalf.

 

See a useful selection of letters here - http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html

 

You can reclaim any penalty charges or mis-sold PPI that you find on the a/c back to 1995 if you have the data or statements to show the penalties.

 

[MARTIN3030]

When did you go to the CAB ?

When did you take out the card,and when did it go into arrears/OD ?

When did you become unemployed ?

Did you inform them at that point ?

How was it done-was it in writing ?

Will be interested to know more about this.

[esther.w.p]

Hi I have had trouble with Barclaycard but I have been adviced to TAPE CONVERSATIONS or put everything in writing. when taping, at the beginning of the phone conversation say 'I must inform you by law that I am recording our conversation for my records' they will hum and har and probably say 'wait a minute I will find out if you can' they will come back and say ok, some will be stroppy but hold your ground, you have a right and you don't need an authorisation number to record conversations.