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Barclays Credit Cards!!!


tim40
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Thanks

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Hi all

 

This is my first post on a forum like this! ( so please be gentle with me!! :wink:)

I am in desperate need of advice on my Barclays Credit Card. I have had this card with them since about 2004..i'm not sure if i filled out an application form online or not!

I was never working when i applied for this Card...as i was a full time mum! I have since returned back to work but only part time (16 hrs a week). I have now found my self in a debt of £6300 on this account... they have suspened my account and have threatened to issue me with a default notice under section 87(1) of the CCA 1974 and / or a reduction in your credit limit. (this was on my statement ) I have always paid more or the minimum payment per month but got myself behind and found i was paying a late payment fee(£12). I rung them in August to tell them that i was struggerling to make the minimum payment and they have reduced my monthly repayment plan and the interest, they inform me that if i do not keep to this agreement which will be reviewed in 12 months time they will take further action...

Is there anything else that i can do to reduce the payment further? I have read some of the threads in here and i know i can ask them for a CCA but i dont want to up set the apple cart if that makes any sense! Any help or advice it would be appreciated!

 

Many thanks

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Welcome,

It would be sensible to do a CCA request for this as it started before 2007.

Use template letter provided here.

£1.00 postal order is needed for the fee, do not sign the po and send all recorded delivey.

They have 12days + 2 to respond if they can't provide a CCA or ask for more time use the account in dispute letter

from the library.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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This might be better in the main debt form to get further advice from the fount of knowledge on here.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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