CCCS Being Unhelpful

Moustacheman

I am having some problems with finalising a reduced payment with one of my creditors as [part of my DMP. I have been in consultation with the CCCS through me organising my own DMP and have managed to agree reduced payments now with all of my creditors except one. Barclaycard are refusing to accept my payment offer of £17.48 as it is less than 1% of the balance. They have now passed the debt onto Mercers (who I believe are Barclaycard's in house debt collection team) and Mercers are also refusing to accept my offer unless it was from a third party. I phoned the CCCS and they have told me to speak again to Mercers and ask them to reconsider, which I have already done on several occasions). I am worried as while I have been regularly been making my payment of £17.48, Barclaycard are still hitting me with a £20 late payment fee and a £20 overlimit fee as well as the interest.

Any advice as the CCCS are being unhelpful.

lynzpower

Well you do realise you can claim back all overlimit charges? Late payments etc?

https://www.consumeractiongroup.com/forum

Moustacheman

I thought that was only on Bank accounts??? Can you do it with Credit cards too?

lynzpower

Yes You Can :T

Wonder_Girl

I don’t think it’s fair to say CCCS are being unhelpful, as you say you are running your own plan so they have no authority to deal with your accounts on your behalf. I think a fairer statement would be that Barclaycard are being unhelpful…

anyway...

Unfortunately there isn’t anything anybody can do to force Barclaycard to accept this amount.

However you should pay them this anyway as if it should go any further it shows they were being uncooperative and you were trying your best.