im skint but in f/t employment -how do i get barclaycard off my back???

Answer 1

speak to them to and tell them your circumstances. They will suspend the interest being added as long as you offer a reduced monthly payment. Its classed as a secondary debt so you can offer as little as £1 to start with. They will probably ask for an income and expenditure form to be sent to them. If you are having debt problems contact the Consumer Credit Councelling Service in the UK. They are a charity based organisation and don't charge you. They have a few different options for you to consider. www.cccs.co.uk

Answer 2

Threaten them with an IVA if it is completely out of control (Individual Voluntary Arrangement) otherwise a consolidation loan from a reputable bank that is not Barclays is the way to go - and get rid of your credit cards.

You'll have to use the banking ombudsman and also the FSA - they have websites - keep all correspondence with Barclaycard and ask them to mediate to try to get back all the penalty charges. If they don't respond satisfactorily to the FSA then they can impose a solution on the bank.

Answer 3

You will have to pay back the money that you borrowed. The answer is to contact Barclaycard and try to come to an arrangement with them to pay back the money at a reasonable rate.

If you feel like you need help there are companies that can negotiate with them and anyone else that you owe money to for you.

Try-
http://www.debt-line.org.uk

Answer 4

Do not under any circumstances borrow any more money to pay the card off. This is a very slippery slope and will lead to spiralling debt. Speak to the Consumer Credit Counselling Service. They are charity that will speak to your creditors on your behalf and arrange a repayment scheme. Do not speak to any one trying to charge for this type service. You want your money to go to your creditors not someone else.

Answer 5

try to pay off any out standing debts,also look into transferring from one to a cheaper loan company some will give you a nil percent interest for a time, increasing your chances of lowering the amount owed,all lender's will try to get you on there list of customers,so just rip up there offers as they arrive and say no to store card credit

Answer 6

Well done for working, as regards the other matter, the big boys these days are approachable & providing you are genuine in what you want to do they, will listen afterall, as those people who have gone bankrupt know, they are covered by insurance anyway but, it helps if you at least try & pay something back.

Answer 7

If you are really in financial difficulties contact the citizens advise for debt counselling they will help you get creditors to acknowledge your position and come to a reasonable repayment plan.

Answer 8

Does this mean you are overdue with your payments?
If so, the best thing is to write to them, making an offer of repayment that you know you can stick to.
Try to get them to freeze the interest for the length of time it is going to take you to repay the. Nothing ventured, nothing gained.

Answer 9

Presumably they are entitled to be on your back Marcyboy. You spent the money? pay it back. Tighten your belt, live on bread and water if you must, but learn that YOU are resposible for your situation. Get the debt cleared out of the way, and learn from the experience. :-)

Answer 10

give the what you can afford then at least you can say you have beent rying to give them something. Or ring them and ener into a low repayment scheme. Your card will be frozen but at least it will keep them happy.