Hi Having a Knightmare - thanks for your reply....but what is a CCA? People keep going on about it I've never heard of it. Also how can you just "unacknowledge" a debt that you do legally owe? keep the home fires burning Debbi M

Debbi M replying to Skyrider's post of 6th December. I really am stuck wondering what to do for the best - I don't feel the CAB are on my side at all. I admit owing this money - and if it hadn't been for my "disability" and current medical condition (which Barclays and their ilk have chosen to ignore) I would still be working and paying them something. I am in a completely hopeless position and at the end of my tether. I am prepared to let the matter go to Court if that gives me a chance of putting my case before a district judge! Being completely dependent on the DWP doesn't help either. Irony is that now I am on JSA they have given me an extra £25 a week for my disability - can I be forced to use this to pay creditors? Helpppp!

Hi all - firstly thanks to Vampyra, Curlyben (love that name!) Skyrider, 42man, ODC and all who have replied to my thread. I do have my original credit agreement (ie agreeing to the conditions of the loan) but not my original application form - don't know where that is, probably with Barclays? This debt goes back to October 1996 approximately. When I took this loan out it was my third with Barclays - I went in for a Financial Health Check (yes, one of those!) and ended up with - another loan! It was originally for £7500 and I had a £400 OD. As I was earning about £792 gross a month at the time, and had other creditors (paying Peter and nicking from Paul to give to Grabbit & Co....) and was repaying Barcs £202 a month....... I soon ran into problems and after 9 months Barclays themselves called in the loan. I did all the right things, cut my cards up, saw the CAB (useless) and the battle began. (Have to rest. hand hurting badly) left hand typing My real point is that I had been paying Barclays agreed amounts since the loan was called in in Nov 1996ish. The account has been "on hold" at various times when I've been ill or out of work, but all payments were ones Barclays agreed to. When I became ill with RSI I told them. When I was having great difficulties finding work again last year, I wrote asking them to consider writing the loan off and was ignored. I replied to their letter of Nov 06 requiring a new budget and payment proposals, again pointing out my health difficulties and asking them to write off the loan.....they responded by ignoring me completely and calling in the merry men of Moorcroft. Their own complaints procedure was asterisk asterisk asterisk. I complained to the Ombudsman in July 07.....they still haven't been able to look at it! (high numbers of queries....) My point is that I have done nothing wrong, Barcs were made well aware that I am unable to work in my old job, have GP advice not to return to that work (what jobs can you get when using a keyboard is agony?) I am 56 and that makes it even harder. Barclays and Moorcroft are completely ignoring my medical condition and continue to threaten, even though they know I am on benefits. They have already been given a budget, can see I have 6 other creditors, together with rent arrears (£300) electricity arrears (£300). So if I did have any surplus bread, it should surely go to a Priority creditor, not to these mukkadeens. If they continue to threaten me - can I get them for breaking OFT guidelines of putting psychological pressure on a "vulnerable" debtor? (The CAB are no good at all at dealing with people like this. My adviser told me that they have a "right" to ask for the money - which is fair enough, but not in my position and not by threats! Like so many millions of us I may owe money - I do not owe my life! My hand is agony must stop.

Hi all - thanks to Vampyra and 42 man - unfortunately there is a copy of the credit agreement (I have it). Barclays appear to have "appointed" Moorcroft to collect the debt on their behalf - or Moorcroft have bought it off them along with other delinquent accounts. I could try telling them they are certified to collect the debt - but I made previous payments to them this year and the CAB advisor seems to think I should at least offer £1 a month (which Im not going to do). I probably will tell them to take me to Court (on Job Seeker's Allowance and with other priority and non-priority debts to consider) and let them "sue" me for not being able to work due to medical reasons they refuse to take into account...and see what happens? You're right though - it's just bullying and I won't be bullied. Hopefully a district judge would give them a rollocking for wasting the Courts time...? No justice for us is there - we should join northern rock.....

Hi, I'm very new to this forum - hope someone can help. I'm an ex legal secretary who contracted RSI - have had it for over 3 years and it got so bad (despite an op on my right hand) that I have been unable to work since March 2007 and my GP has advised me to find a complete change of career. Try telling that to Barclays! They are my main creditor - debt is now £6,600 range and I have been paying them for past 10 years - never missed a payment and all payments agreed by them. However despite my writing to them twice last year explaining my medical condition - and asking them to consider writing the debt off (or significantly reducing it) they ignored me and at the beginning of this year I got some very nasty threatening correspondence from one name you know and love - Moorcroft. To cut a long story short, I tried writing and faxing Barclays again and was ignored (despite a brief letter from my GP) so went through their "Complaints" procedure - and got nowhere. My hands were so painful to type with (Im in pain having got this far) I had to go to the CAB for help. Finally got another, longer letter from my GP explaining that I could not resume my usual work and was advised not to take another job involving extensive typing or lifting......this letter was sent to all my creditors. (One did do a write off, hallelujah!) but my old friends at Barclays/Moorcroft are still not prepared to write off the debt or negotiate in any way - and are now demanding a new budget and "proposals for repayment". I'm now on Job Seeker's Allowance. Can anyone advise? Needless to say the Ombudsman are inundated with requests for help and mine hasn't even gone to an allocation team yet! I'm too poor to file for bankruptcy - although that's obviously the next step. All suggestions/advice welcome. (CAB not a lot of help, incidentally - they don't like confrontation, methinks).

Sorry to bother but I haven't a clue how to start a new thread on this forum. Help me someone!

thanks for replying Priority One - but I don't know how to start a new thread - or how to use this forum at all!! Any advice greatly appreciated.

I'm new to this site so hope I'm doing this correctly! I'm a legal secretary who contracted RSI. Have been unable to work since March 2007. Couldn't pay any creditors etc, saw CAB (not much help to be honest!) Main debtor is Barclays, £6.300 odd which I have been paying for last 10 years. Barclays ignored my letters informing them of my illness, disability and inability to work and turned my account over to Moorcroft Debt. Been hassled ever since. Am on JSA now - fighting appeal to get incapacity benefit restored. CAB sent all my creditors a letter from my GP confirming my condition and impossiblity of finding work (can't type, lift or write without great pain). Barclays/Moorcroft just don't want to know and are threatening "further action". Have taken them to Ombudsman but that was 5 months ago and they are only just looking at the case. Anyone got any suggestions? I also get DLA at the lowest rate but I'm damned if they're going to get any of that! Have to stop, hand hurting like mad.