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  • #16
    Re: Barclaycard

    Originally posted by stevenson166 View Post
    they are years old
    Excellent - that's even better

    The older the better really....

    Are you looking to go down the UE path, ie cease all repayments etc..?
    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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    • #17
      Re: Barclaycard

      How do i find out when i took them out besides phoning them or is that what i have to do..and what is UE forgiving my ignorance.
      I want to pay my debts but with the interest ..i cannot see the light...
      Last edited by stevenson166; 3 February 2012, 10:48.

      Comment

      • #18
        Re: Barclaycard

        Originally posted by stevenson166 View Post
        How do i find out when i took them out besides phoning them or is that what i have to do..and what is UE forgiving my ignorance.
        I want to pay my debts but with the interest ..i cannot see the light...
        No you don't ring them, but if you want to pay them then maybe a dmp is best for you? If you want to consider this then let us know and I'll refer you to our free one.

        No need to give start dates if you're not interested in UE - we specialise in UE, and you're asking what it is

        Ok, have a read here for info: ---> UPDATED - A Full Guide to Unenforceability - allaboutFORUMS
        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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        • #19
          Re: Barclaycard

          Thanks, have just read allends UE journey....now to find out about dmp

          Comment

          • #20
            Re: Barclaycard

            Originally posted by stevenson166 View Post
            Thanks, have just read allends UE journey....now to find out about dmp
            With a dmp we can arrange a free one for you easily enough.....

            Want me to PM you details of the guy you can contact to furnish you with info?
            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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            • #21
              Re: Barclaycard

              please..but what is a dmp ..is it (Debt management program ?)...oh and by the way i am on page 6 of Niddy vs HSBC ..compelling reading

              Comment

              • #22
                Re: Barclaycard

                Originally posted by stevenson166 View Post
                please..but what is a dmp ..is it (Debt management program ?)...oh and by the way i am on page 6 of Niddy vs HSBC ..compelling reading
                yes a debt management plan - Niddy v HSBC gets better

                Or worse, depends what side of the fence you sit on
                I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                Comment

                • #23
                  Re: Barclaycard

                  Sorry for pushing you, but which route do you think i should take ? if i do stop paying i will save the money i would have paid ..to use further down the line...my credit is zero ..just need to pay back the money without the interest...or is a DMP the best route..

                  Comment

                  • #24
                    Re: Barclaycard

                    I cannot give such advice I'm afraid - only you know what is best for you but a dmp means repayment, hopefully with charges etc on hold allowing you time to repay the actual capital.

                    UE would mean cessation of payments.....
                    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                    Comment

                    • #25
                      Re: Barclaycard

                      I know what I would do.............
                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                      • #26
                        Re: Barclaycard

                        Thanks , I think i may go the dmp as payments are restricting what me and my family spend on food and neccesities..although i would go the UE route as my credit rating is zero and i wouldn`t touch another credit card if they gave them out free..
                        Last edited by stevenson166; 3 February 2012, 12:56.

                        Comment

                        • #27
                          Re: Barclaycard

                          Originally posted by stevenson166 View Post
                          Thanks , I think i may go the dmp as payments are restricting what me and my family spend on food and neccesities..although i would go the UE route as my credit rating is zero and i wouldn`t touch another credit card if they gave them out free..
                          so why not do what the other 99% of users here do - go down the UE route and if things get too hairy for you then just go on a dmp or whatever then - try this route and save funds, and see what happens....

                          Just an idea
                          I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                          If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                          Comment

                          • #28
                            Re: Barclaycard

                            Originally posted by Never-In-Doubt View Post
                            so why not do what the other 99% of users here do - go down the UE route and if things get too hairy for you then just go on a dmp or whatever then - try this route and save funds, and see what happens....

                            Just an idea
                            That's what I would do...........
                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment

                            • #29
                              Re: Barclaycard

                              Have you read this?
                              http://forums.all-about-debt.co.uk/s...28&postcount=1
                              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                              Comment

                              • #30
                                Re: Barclaycard

                                Originally posted by stevenson166 View Post
                                Sorry for pushing you, but which route do you think i should take ? if i do stop paying i will save the money i would have paid ..to use further down the line...my credit is zero ..just need to pay back the money without the interest...or is a DMP the best route..
                                Nothing is forever. If you decide to do a DMP to settle things down now that doesn't prevent you going down the UE route later if you think it may be to your advantage in the long run. I've had over £65k of debt admitted unenforceable by my creditors so I'm going to be biased of course

                                I can't see if your accounts started before 2007 anywhere on this thread because that could influence your thinking.

                                Comment

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