Thank you for your replies.
goodatresearch, we have separate accounts.
dx100k it may sound irish,
but due to the nature of my husband's work,
he can have weeks without work, then weeks of work.
I'm worried that if we don't have an overdraft facility,
if we have no money coming in,
we won't be in a position to pay our bills.
Does that make sense?
SabreSheep, thank you for your response.
I've been looking at the full subject access request, but find it a bit confusing.
Would that be so that I can see exactly what they have charged me over the years?
I suppose one thing I need advice on is whether to contact Barclaycard ourselves to offer them what we can afford, or should I let stepchange do it on my behalf?