Just a question

purplemoon

I also wasn't suggesting neccessarily that you don't pay... When I said barclaycard may be able to take back the debt I mean from the debt collectors- so you pay them directly at an affordabel rate with maybe a decrease in interest. I don't think that asking for this would be irresponsible in your position- quite the opposite. I think take charge and try to make it manageable and ok for future credit (you'll want it at some point even if just mobile contract). Good luck.

The_Pink_Wafer

Oh, I see what you mean now. I was confused.

Yes, I'll certainly have a think about that. Being on a payment plan with Barclaycard wouldn't look as bad as being on a plan with CSL! I really do want to get this sorted out - I've resigned myself to the fact it's going to take a long time, but I would feel better about it if I knew that my credit score will improve again one day.

Approximately £2000 of that is interest, so I would love them to take a bit off! I know that maybe sounds selfish of me after running up the debt, but the interest is almost the same amount as the bill. Ouch.