Barclaycard inital closed

chanz4

I would expect the debt to be sold, 6 months no payment so will of been defaulted

bengal-stripe

chattychappy wrote: »

OP:....you are not answering their questions!

OP has admitted there were no payments to the account between March and August, so Barclaycard closed the account. Then out of the blue, payment for the full balance arrived and Barclaycard must have thought Christmas had come early this year.

@ OP: The Credit Agencies will mark your account as "closed and settled", which is not negative at all.

jonesMUFCforever

..............but IMO you have absolutely no chance of them re-opening the account.

Thrugelmir

Catsrus2306 wrote: »

I am wondering if I ask them to reopen my account and accept the full payment would they re open it??

Why would the lender wish to?

Would you lend a friend £10. Wait a year for him to pay you back and then ask to borrow £5 from him.

Not how the world works. Financial relationships are built on trust between the parties.

chattychappy

Thrugelmir wrote: »

Why would the lender wish to?

Would you lend a friend £10. Wait a year for him to pay you back and then ask to borrow £5 from him.

Did you mean that?

Thrugelmir wrote: »

Not how the world works. Financial relationships are built on trust between the parties.

Actually I think they are built on distrust... hence the need for law, binding contracts, signatures, PINs, CRAs, court processes etc. The OP just represents a bad risk... But I know what you're getting at and I agree.