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Difficulty repaying Barclays loan

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Firstly, many thanks in advance for any advice...it is very much appreciated. 

The basic facts are as follows... 

My partner has been a customer of Barclays for about 40 years! 

She has never been overdrawn and any loans she has had from them in the past have always been repaid exactly according to the agreements. 

Her age is 64 and has fallen foul of the Government's pension regulations (which is affecting many women). 

She is disabled and in receipt of DLA, which is her only income.

I am in receipt of a basic state pension, plus an additional sum of pension credits to supplement our joint income. 

I have recently lost my DLA award and have failed to qualify for PIP (although an appeal is in progress)...this resulted in my partner also losing carer's allowance for me. 

As a result of all of this, my partner has approached Barclays and has asked if her payments could be reduced temporarily until she reaches pension age or my PIP appeal is successful. 

Barclays have refused outright, saying that they think she can afford to pay the full amount of £200/month as she is in receipt of DLA! 

This has caused her a considerable amount of distress, as she thought that they would be fairly understanding. 

My attitude is that she should now stop all payments and let them do whatever they can to recover their loan (my partner has no savings or assets and we live in a council flat). 

Obviously, this has now started to have an adverse affect on her health (having suffered from strokes in the past few years). 

Quite honestly, I am furious at the bank's intransigence, but would very much like to receive any advice as to how to proceed. 

Once again, many thanks. 


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I think it would be helpful if you could start telling us more about the loans – dates, repayments et cetera.


It might also be helpful if you started reading up a bit about the right of appropriation and producing a letter of appropriation.

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dla is to live on not for paying loans off

Barclays should be helping not making the situation worse.


yep tell us about the loan

and how have you been communicating to date?

not by phone I hope!

writing only.


my thoughts are to send them our prorate letter and let them suck on that.

please don't hit Quote...just type we know what we said earlier..


DCA's view debtors as suckers, marks and mugs


NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..


If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 



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Hi Gd,


No more contact by phone at all - keep everything in writing only.


Supply details about the current loan as already requested.


I suggest YP maintains repayments on the loan until we've had a chance to properly review the case and consider your reply to our Q's.



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