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Thread: what now help

  1. 1st July 2009 15:44 #1
    kell4040
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    Cagger since Apr 2009
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    Default what now help

    hello i sent barclay credit card a cca request they just sent terms and cond i sent them a budget sheet and our out goings and what we could afford to pay they have ignored all letters that i have sent even though they were recorded they still wont freeze intrest or accept the payments we have left what do i do please help
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  2. 1st July 2009 15:44 # ADS
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  3. 1st July 2009 23:59 #2
    slick132
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    Cagger since Feb 2007
    I am in Planet Thanet, Kent
    Posts 12,811

    Default Re: what now help

    Hi Kell,

    Have you checked to see if there are penalty charges on the a/c. BC will repay these quickly and this could help reduce the a/c balance.

    You'll see the majority of BC threads are about users trying to get sight of their credit agreement. Read through some of them and you'll see what action others are taking.

    Read the CPR thread at Link No2 in my signatureautolinker.com autolinking image below.

    If they ignore your requests to accept lower pay'ts, stop paying or pay what you can. They'll start harassing you but this is unavoidable.
    Link 1. OFT Debt Coll'n Guide - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf
    Link 2. Checking your credit Agreement - http://www.consumeractiongroup.co.uk...greements.html
    Link 3. Interest Tutorial - http://www.consumerforums.com/resour...erest-tutorial

    Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

    If I've been helpful, please click my scales.
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  4. 2nd July 2009 11:43 #3
    the_shadow
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    Cagger since Aug 2006
    I am in decipherable like some of my credit agreements
    Posts 5,077

    Default Re: what now help

    Hi Kell,

    I was in the same boat.. I sent a letter direct to the CEO @ Barclaysautolinker.com autolinking image and they confirmed in writing that as long as I paid more than 1% of the balance they would allow a six months interestautolinker.com autolinking image freeze and reduced repayments.

    So far so good.

    Address I sent to:-

    John Varley
    CEO
    Barclays Bank PLC t/a Barclaycard
    1 Churchill Place
    London
    E14 5HP

    S.
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