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  • FIRST POST
    blackguy52
    help with 2007 credit card debit
    • #1
    • 17th Feb 13, 2:15 PM
    help with 2007 credit card debit 17th Feb 13 at 2:15 PM
    Hi all. When I was 18 i did the stupid thing of getting a credit card with barclaycard. it had a 1000 limit on it and basically i was very immature and used the whole 1000.
    Now obviously they wanted their money back but i was on JSA, I no longer am on JSA but only earn 160 a month as i work part time+ have to pay+ 90 car insurance. which leaves me with very little money to live on.
    I live with my parents and have since lived in a few addresses, so I offered barclaycard to pay back 15 a month until the debt was paid off. They refused and told me they wanted a minimum of 200 a month paid back until it was paid off. I sent them my wageslips and hours and explained it was impossible for me to pay them back more than I earned and they knew this as I put it in my annual income when applying for the card.
    Since a few years i didn't hear anything about it..then yesterday i got a letter from henleys law on behalf of barclaycard demainding the total of 999.99 saying they are now going to apply for a CCJ against me.
    What can I do as this is my parents house and I already offered barclaycard a solution
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