I don't like to air my dirty laundry in public but some of you will have already read about my current situation in another post so here goes..
If you want to skip the back story scroll down to the **************
I've been out of work for 13 months and like an idiot managed to run up my barclaycard bill.
I was managing to make the minimum monthly payments by taking out cash on the card ( yes I know.. stupid move, but I thought I'd be back in work in a few more weeks and start paying it off.. ), but it's been maxed out since december ( no pressies, crappy x-mass ).
I went to the CAB who draughted a letter asking barclacard to show some compassion and freeze my account and the interest etc on it..
I pay them a token amount each month as I was advised.
They are still harassing me for minimum payments each month that I simply cannot make. it's up to £1000 minimum this month.. I couldn't pay that if I was working 24/7 anyway...
I know they want their money back and I intend to pay it back.
***********************
I received a call today from a company on behalf of barclaycard asking about my finances to see if they could help.
The woman on the phone is sending me some forms for extra information.
She said she'll put a hold on my account for the next 14 days until they get the paperwork back and that she was trying to help me avoid "doorstep collection"!!!!..
That sounds to me like a veiled threat about bailiffs..?
It's my understanding that they cannot just send round a bailiff to take my stuff without first taking me to court and acquiring a CCJ against me.. and that I don't have to let any bailiffs in without a court order..?
If you want to skip the back story scroll down to the **************
I've been out of work for 13 months and like an idiot managed to run up my barclaycard bill.
I was managing to make the minimum monthly payments by taking out cash on the card ( yes I know.. stupid move, but I thought I'd be back in work in a few more weeks and start paying it off.. ), but it's been maxed out since december ( no pressies, crappy x-mass ).
I went to the CAB who draughted a letter asking barclacard to show some compassion and freeze my account and the interest etc on it..
I pay them a token amount each month as I was advised.
They are still harassing me for minimum payments each month that I simply cannot make. it's up to £1000 minimum this month.. I couldn't pay that if I was working 24/7 anyway...
I know they want their money back and I intend to pay it back.
***********************
I received a call today from a company on behalf of barclaycard asking about my finances to see if they could help.
The woman on the phone is sending me some forms for extra information.
She said she'll put a hold on my account for the next 14 days until they get the paperwork back and that she was trying to help me avoid "doorstep collection"!!!!..
That sounds to me like a veiled threat about bailiffs..?
It's my understanding that they cannot just send round a bailiff to take my stuff without first taking me to court and acquiring a CCJ against me.. and that I don't have to let any bailiffs in without a court order..?