Okay, replied to your PM - you were right about that "thing". I'll look into those links to get started with tomorrow morning (late now and I'm going to bed...) ...and I'll get on doing those things as soon as possible after the Xmas break, as most things close down for the holidays this Friday.

UGH , where do I begin? It's been a heck of a year with one thing after the next going wrong for me and dealing with financial debt and family issues, etc...so I'm writing it all down in hopes of getting some suggestions as to where to go and what I can start doing about it. (I'm not going to go into too much depth, as some of this stuff is VERY private, especially about my family) I have been getting charged for the Barclays Personal Reserve for some years now, as I missed the letter to opt out and it just got "stuck" on my account. I've now endured countless years of £22 charges every time I go past my overdraft. Every time I try to cancel the thing they just tell me that they can't as my account is inside the overdraft - so basically they're going to push me further into debt because I'm already in debt...which makes no sense at all. This has been frequent as I have had bills to pay that usually require more than I have from my JSA and any help I get from family and friends. This has caused futher strain on my relationship with my family and it has now reached breaking point. Foolishly I have relied on my credit card when times have been tough to pay bills rather than trying to sort things out. By using my Barclaycard Gold VISA to pay the bills has resulted in my card being maxed out (limit of £4,500...standing at around £4,200 right now) - meaning I'm now paying credit card bills of £100 per month. Worse still is that my bank account is in the red near the limit of my overdraft of £1,500 and frequently teeters on the brink - which means interest is pushing up my debt too. I have been reading around the forums and have found a success story about Personal Reserve charges from @gaz0609 in another thread...of course, being a new poster means I can't P.M. and ask for the template he used. So my questions are as follows... 1) Which address do I use to write to Barclays to reclaim my bank charges and opt-out of the Personal Reserve? 2) Does someone have a template I can use for a financial hardship letter that I can send to them and explain the situation? I'm also going to try and see if I can check for PPI on my credit card - and if so reclaim that too, then pay off my credit card and finally destroy the damn thing. I've read the guide at money saving expert website, and it says to send off for your Credit card T&C's...but I can't seem to find the address to send off for my T&C's either! 3) Does anyone know where I would need to send the completed T&C template letter for my Barclaycard VISA T&Cs? 4) Is there any way to find out by looking at statements, etc... if I do indeed have PPI on my card or is that hidden as well? (i.e. - what am I looking for exactly?) Sorry to sound like an ididot - but I don't have much of an idea as to where to start! Hopefully, someone here will be able to give me some pointers as to where to go with all this mess... Thanks in advance folks!