default on a default

judy_

Hi everyone

Am looking for a bit of advice please

In 2000 I got a loan from Barclays with PPI

I then lost my job (I was on a contract which wasn't renewed) Small print said if on a contract no pyout, so I accepted this reluctantly (even though the guy who sold me it at Barclays knew I was on a contract as we were chatting as I filled the forms in) but, alas, his word against mine.

Not long after I went through a messy divorce and was homeless with 3 children, so I defaulted on the loan as I could not afford to pay it, plus my had was elsewhere with all the worry.

I got a default on my credit file, which is about to drop off within weeks.

I would like to know, if I either

a) reduce my £30 a month payments to £1

or

b) stop the payments altogether as I am a bit pee'd off about the PPI

can moorcroft give me another default on my credit file?

thankyou in advance for any replies

Judy x

judy_

bumping for the "day shift"

x

rayday2

Have you not claimed your PPI back I did on a First Plus loan and got £4,000 in about 5 weeks from first letter.