I am about ?ú4200 in debt with my Barclaycard. They keep charging me interest and no matter how much I keep paying off the interest is higher therefore im getting nowhere! I have 2 other credit cards which I pay the minimum payments each month and cannot move this to a 0% balance transfer card because of bad credit score from missed payments etc.
Im trying so hard but feel im getting nowhere. Ive read loads online saying however bad it is if you stop making payments then Barclaycard will eventually stop contacting and in a few years credit score will be new basically.
Ive already had letters off barclaycard to say im ?ú200 over my credit limit but I simply cannot pay what they want me to pay each month. I've heard they are bullies and use lots of scare tastics, Its working as im a baby when it comes to things like this.
Can you please give me some advice on what my options are to resolve these issues as its getting me down and affecting my well being