Bank will not allow partial transfer of debt to allow me to accept 12 months 0% interest

Elixir29

I had a Credit card with a bank. After helping someone homeless, the individual left me with large debts.
As a result of my choosing to help the person, my wife and children  decamped and I have been alone for almost 10 years. This resulted in the bank declining to renew the card some time back. So I just chugged on paying the debt.             
Getting back on my feet and have reduced Credit card debt, both its size and the limit. Have been offered 0% balance transfer from another car provider but needed details from the card associated with the old account to process this.
Spoke to bank who despite telling me the account, " is not in arrears ", were unable/unwilling to assist.
Accept bank would not want to issue me with a card, [don't want one anyway], but find it galling that I cannot utilise this offer to repay part of the debt I still owe to the bank and save myself money. 
Seems iniquitous Martin !
Greedy unscrupulous .......
Should just give in and seek an IVA.

bonkersbonkers1

IMO Your original card debt has been closed off to their Collections or a third party debt collection service.
There is no more a 'card number' associated with your debt.
Again IMO the best way forward is for you to get a figure that they would accept as a full and final settlement - apply for a card with a money transfer option - get the money paid into your bank account then pay the debt off from there.

Elixir29

Aye, you are probably right. 
Just that when you are in this position, applying for cards is 'challenging' and obviously with a poor track record you don't get anything without a penalty.
Thank you for the advice though.
Cheers

Sandtree

I am confused by your statement that you have reduced your limit... from what you say your card has been cancelled and as such you have no limit.

You could look at a "super balance transfer" credit card which gives a 0% transfer for monies moved to your bank account that you could then use to pay towards the former credit card debt but these tend to have a lower acceptance rate. Alternatively you could look at a loan instead which won't be interest free but may be lower interest than you are currently paying.

It sounds like you have already applied for a card in which case your chances of being accepted for another product have been diminished