Barclaycard full and final offers don't exist!

Jon_B_2

It's unfortunate that you are going to have to declare yourself BR. But to claim (and you did) that getting into £31,000's worth of debt "was hardly caused by yourself" has got to be factually incorrect.

Maybe a fresh start and a new attitude maybe?

evenstar2009

Hey Underpressure

-just to back up what you've said about the Barclays empire - 2 of my creditors were Barclays Finance and Barclaycard and when i was going through IVA process they rang me non-stop at home on my mobile even a work and i got texts from them too. No other creditor rang me as much as them they even called me on Banks Hols and they must have a policy of only starting to call people after 8am because i use to get calls literally about 8:02 am !
My IVA was turned down so had no option but to go BR and its good to know those 8am calls will not keep happening!

Good luck

evenstar2009

I'd just like to add a note after reading some earlier posts that in some (not all) cases its not simply reckless spending as to why people end up in debt and i doubt whether anyone would wish to be in situation where they end up owing loads of money to the point where they are about to lose their home and possessions and can't sleep at night.

I've just gone BR, it was horrible and humiliating and it certainly wasn't because i'd been buying expensive jewellery, clothes, holidays, fast cars etc just a series of unfortunate circumstances, credit crunch and recession and it was the absolute last resort.

There have been some really sad stories in the press recently about people who think there's no way out from debts/going bust and have taken their own lives or in a couple of cases their families too and that just shows how deeply debt affects people and makes them feel trapped if they think there's no alternative. It shouldn't get to that stage.
Best to get help as early as possible, learn the lesson and get on with living.

:A

evenstar2009

Nope - all available money is going towards my "baked beans on toast for 3 weeks fund" lol

sassyblue

Underpressure wrote: »

I have already spoken to them about this, but as a family member they are naturally more concerned about me that the money so this is not a problem.

Hi underpressure, seeings it's a family member you could also come to a private agreement to repay them in the future?

Anyways, l wish you the best of luck.

TFD_2

sassyblue wrote: »

Hi underpressure, seeings it's a family member you could also come to a private agreement to repay them in the future?

Anyways, l wish you the best of luck.

Surely if he can afford to do that, he can afford to pay more than 10p in the pound to Barclays.

Underpressure_2

TFD wrote: »

Surely if he can afford to do that, he can afford to pay more than 10p in the pound to Barclays.

I couldn't afford to pay them 10p in the £, a family member could so thats why it was offered and declined.

Underpressure_2

evenstar2009 wrote: »

I'd just like to add a note after reading some earlier posts that in some (not all) cases its not simply reckless spending as to why people end up in debt and i doubt whether anyone would wish to be in situation where they end up owing loads of money to the point where they are about to lose their home and possessions and can't sleep at night.

I've just gone BR, it was horrible and humiliating and it certainly wasn't because i'd been buying expensive jewellery, clothes, holidays, fast cars etc just a series of unfortunate circumstances, credit crunch and recession and it was the absolute last resort.

There have been some really sad stories in the press recently about people who think there's no way out from debts/going bust and have taken their own lives or in a couple of cases their families too and that just shows how deeply debt affects people and makes them feel trapped if they think there's no alternative. It shouldn't get to that stage.
Best to get help as early as possible, learn the lesson and get on with living.

:A

Exactly, I did borrow money initially when I was on a better salary and the debts were afordable but due to having to move jobs a few times over a 5 year period, and take drops in salary, it had to be put on the loans until my wages increased. When your salary drops 4.5k, the shortfall has to be made up somewhere, thats why you tend to borrow from one to pay another until the circumstances improve. The secnd year you are probably short by 3k and a year laterm maybe 2k...........so in the space of 3 years you may have £9.5k worth of debt you are struggling to make up from what you could afford on the original wage.

My wages for years now have been going on debt repayments, not extravagent living.

Underpressure_2

sassyblue wrote: »

Hi underpressure, seeings it's a family member you could also come to a private agreement to repay them in the future?

Anyways, l wish you the best of luck.

Many thanks

Underpressure_2

TFD wrote: »

You have assumed that you will stay on a low income for the next x years... have you looked at working towards a better paying job, or taking on a second part time job? Both options would work wonders for your cashflow and enable to slash any repayment period I'm sure.

Maybe feeling like you're dealing with the situation, rather than blaming it on others will help your stress also?

Just a thought

Once I either have an IVA or am BR, then I will wake up with reduced stress.

I am dealing with the situation in a way which will get the best result for me. Like I have said earlier, i acknowledged it was partly me, but a lot was down to these companies regardless of the way you see this.

Do you work for Barclays, you give the impression you do from past posts, you seem to see things in either black or white, no shades of grey inbetween?