I hope someone can help me please I am self employed and have always paid what I owe through self assessment. I always paid in arrears for the previous tax year (as this is what was required) before the January 31st deadline. the year before last I had to start paying on account for the tax return that usually didn't need paying until 31st Jan the next year - apparently I went over some sort of threshold . ....though they couldn't give me an exact answer as to why this changed. not only did I have to pay for the tax return that I had just filed (which I had as I put money aside for this) I also had to pay for some of the next year (for a tax return that I hadn't filed yet) and then again in the July. ...this was a surprise to me as I didn't have any idea this would happen. So I didn't have the money set aside for this. I started to pay them monthly to clear this but never quite got on top of this.. ..so at the moment I owe them approx. 2k. I am now paying them £200 a month just to get it slowly down. ..but again I just don't seem to be getting anywhere fast. They can see I am trying to make an effort as I do pay them my £200 every month - but they keep calling me. I am currently 6 months pregnant - a high risk pregnancy and under the perinatal mental health team due to a previous traumatic birth experience and severe anxiety. I explained this to the last person I spoke to at HMRC, but I did break down in tears and asked if they could call me back in 30 mins so I could compose myself and sort out a plan with them.. .they promised they would... .but they didn't!!! (This was a month ago) now they are calling me all the time - I wondered if they didn't call me back last time because of my situation but clearly that was not the case. can hound me like this whilst I pregnant and with my added health problems? I am not denying my debt and I am making efforts.. .but they are adding to my stress which is not good for me or baby - I have not been able to work as much due to my current health and soon I won't be earning any money (another issue with being self employed and pregnant)...as I will be unable to work at all! Can anyone advise me what route to take please? I don't want to let this get out of control but don't know how to deal with it. Thank you in advance.

Hi all.....so I have had a reply form Robinson way saying that they have received my letter (CCA Request) and that they have put collections on the account on hold until they have looked in to it. Do I need to do anything else or do I just await their further response? thank you

Thank you Slick So would you advise that I still do the CCA for now/first and then look in to my payment history for my last payments to them.? As looking in to this will take a bit of time. Thank you

Thank you Slick for your reply. I can't be sure, but I think it was in 2010 sometime. I know I had a big row with them either in 2009 or 2010 as they took money from my savings account (I only had £150.00 in there) without my authorisation - my payments used to go out of my Barclays current account via DD, but after a few months of trying an failing they decided to take what I had in my savings account as means of payment - I was shocked they could do this!! I always tried to keep a little money aside in case of emergencies, with having children this £150.00 was my backup.. ..but they took it!! and I had no idea until I needed £20 out of it. I think this may have been the last real contact I had with them. I may have my statements - most of my stuff is in storage so I will need to go through it. Is there a way of finding out if it is statute barred or is this something I need to prove? Thank you

Thank you - I will do that tomorrow. Hopefully that will stop the court proceedings route - or is that just a scare tactic to make me get in touch?

So I send a CCA request to both of them and enclose a postal order for £1.00 to each of them? And do I refer to the letter they sent me stating that before they can take this sort of action they need to have this documentation in order first?

Thank you for your reply. It says their client is HPH2 Ltd, and their clients agent is Robinson. Not sure what CCA is all about (I will keep reading other posts to learn more).....I haven't had any contact with Barclaycard for nearly 6 years, can I still do a CCA? Thank you

My first time posting so I hope I am doing this correct. I would appreciate any advice you can give me. back in 2008-2011 I got myself in to a lot of debt due to being made redundant 3 times in as many years and not having enough money to pay credit cards etc, I concentrated on paying my mortgage and gas electric etc. In 2011 I decided to sell my house and pay off debts with some of the equity I had in my house and went in to rented accommodation ....I setup payment plans with some of my remaining creditors, some of which have now finished and some nearly finishing and not defaulting once on any of the payments and finally I am beginning to breath again! However, Barclaycard is the only one I didn't come to some arrangement with, I wrote to them (back in 2010) asking why my debt was over 12k when my credit limit was only 8k. I asked if they could take off the interest and setup a payment plan. I didn't hear back from them, I then moved house and up until a couple of months ago never heard a thing from them... .and then every debt recovery company you could think of started ringing me and some sending me letters. (I have not spoken to them or had any contact with any of the debt collectors) I this morning received a letter from Howard Cohen Solicitors working on behalf Robinson way, threatening court action and a ccj. They are asking for £12554.24 I really don't know how to approach this - I somehow managed to go this far without getting a CCJ, I have worked so hard to clear my debts and I am winning, to get a CCJ now would just be a massive kick in the wotsit. Do I contact these people and tell them I can't pay the 12554.64??....I don't have this kind of money. I am not trying to get out of paying this debt, I just don't see why I should pay 4.5k interest. Any help would be greatly appreciated Thank you