many thanks - I hadn't realised

Hi the amount o/s is approx £4K. thanks for you advice about replying to the notice - I'll get that off tomorrow too

sorry to respond again I had a thought, should I pay them any money as a jesture of goodwill? I've not got a lot, but could pay £5.

Hi thanks for your reply and comments Yes, I had a default notice a couple of weeks ago. I was waiting on my friend however they were unable to help before the formal demand came today.

Hi thanks for your quick reply and links I have checked for PPI and it did not apply to this account, sadly. I have had the account since 2000 and there have been late payment charges made over the years, so i'll pursue a claim. I did send the £1 with the CCA request and got a holding letter but no formal reply. I'll send the SAR. thanks for your help.

Hi I am new to this site although to date my friend who is a member has beenhelping me. Due to circumstances, my friend is no longer able to help so I amnow going alone. I have an outstanding debt with Barclaycard and i stopped paying lastAugust. I wrote asking for a copy of my agreement in September and received aletter from Barclaycard saying they would answer me shortly. However to date I have not had a reply, only letters from Mercers and manyphone calls from Barclaycard which i have ignored. Today, I received a Formal Demand for Payment letter giving me until friday8/2 to pay the dept in full or reach an agreement with them, or else they maypass my account on to a specialist collections company and a localrepresentative may call on me. I moved in with my mum 2 years ago when my dad died and i really do not wantanyone coming to the house. Please can you suggest what action I can now take. I have read that I could request a full history of my account for £10 buti'm not sure if it's too late to stop Barclaycard taking the action threatened. thank you for reading this and i look forward to any replies B