What are the Rules of persistent debt and closure of credit card accounts

yksi

I see why you're confused about the situation but there is something that you are CLEARLY not understanding here.
Persistent debt rules are intended to attempt to rescue people who have long-term PROBLEMS with debt. You have a long-term problem with debt and you do not seem to grasp this. You were paying more than £60 in charges each month and had nothing to show for that. You were not actually managing your money well - keeping up with bare minimum repayments is not good money handling, and adding £7 or even £15 is not a massive change when we're talking about pretty hefty monthly payments. You were actually in financial trouble here and the bank has stepped in before something really bad happened and you went underwater. The bank might not have handled this as well as it could have, but ultimately, banks don't give personal advice saying "hey, you're doin' this badly", they only follow the legal stuff. Even if they got the PD communications correct, I'm not sure you would have grasped that you had dropped the ball.

And this did not just get worse overnight, this has been going on for more than three years. For more than three years, you didn't get on top of this money problem because you didn't think there was a problem (or perhaps had other issues which felt more important - fair play).

I don't say this in order to put you down. I say it because you needed this wakeup call. MattMattMattUK said it best, take this as a trigger point. Get some actual plans together to tackle the problem and sort it out. You seem to have been incredibly lucky (for years on end) that nothing happened to send you over the cliff edge of debt; when people are in PD, they walk a tightrope where just one unforeseen financial issue can send them into a spiral they can't get out of. Say a word of thanks that Barclay woke you up, and now you can move forward with learning some better money management. The only thing of value that you've lost here is credit card protection when purchasing. If you have any other credit card at all then I'd suggest you do NOT apply for another one, focus on getting thing back on track and becoming better with money. You are certainly not the first and you won't be the last. We can all learn

Yardski

Thanks for the heads up.. I do understand what everyone has said and if in a proper discussion maybe all may understand better what I am trying to get at. 
I wasnt advised in a manner which would have allowed me to still retain this particular credit card, it's the standard of service from the bank who didnt advise about PD, (I will be able to have more clarity when I receive my SARs). FCA advised banks about closures of accounts and possibly about non communication from customers. 
I engaged the bank and did raise my DD amount so I should have been above the PD threshold and paying the recommended amount. 
The fact of making recommend payments would have stopped the bank closing my account,  I am trying to say.. The bank's failure to advise me about PD policy or signpost me to debt organisations ie citizens advice or step change has a great bearing and this is why I wanted to read up on PD policies and procedures.  
I truly am grateful with all the advice I have been given and I am taking everything on board.