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Advice on barclaycard payment plan
funky_fiddler
Posts: 23 Forumite
in Credit cards
Hi all,
Just after some advice really on what to do about my Barclaycard payment plan.
Last summer I hit a bad patch as I was waiting to be paid fior a load of work I had done (I'm self employed) and had to write to barclaycard to explain this and they put me on a payment plan where I am paying £30 a month but they have dropped the interest rate to really low. I am still paying but looking at my credit file it says 'arrangement' which I know is really bad. So I wrote to them asking to be taken off the arrangement as my circumstances have changed blah blah blah I also rang but found thier overseas customer service centre really difficult to comunicate with!
So do you think I should try again or just leave it and pay it off under the arrangement- I recently sent them a cca request to stir things up a bit so am about to fire off the 2nd letter.But I do owe the money I spent it so would pay it back anyway.
My only concern is I might be buying a house with my partner in a couple of years so really don't want any problems with that- I have a mortgage and other credit cards but they are fine- this is a left-over from my stupidity as a student- if only I had a time machine!!
Many thanks
Chloe
Just after some advice really on what to do about my Barclaycard payment plan.
Last summer I hit a bad patch as I was waiting to be paid fior a load of work I had done (I'm self employed) and had to write to barclaycard to explain this and they put me on a payment plan where I am paying £30 a month but they have dropped the interest rate to really low. I am still paying but looking at my credit file it says 'arrangement' which I know is really bad. So I wrote to them asking to be taken off the arrangement as my circumstances have changed blah blah blah I also rang but found thier overseas customer service centre really difficult to comunicate with!
So do you think I should try again or just leave it and pay it off under the arrangement- I recently sent them a cca request to stir things up a bit so am about to fire off the 2nd letter.But I do owe the money I spent it so would pay it back anyway.
My only concern is I might be buying a house with my partner in a couple of years so really don't want any problems with that- I have a mortgage and other credit cards but they are fine- this is a left-over from my stupidity as a student- if only I had a time machine!!
Many thanks
Chloe
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