My DH and I have a LOT of debt around 40k between us. I have started the motions of going on a debt management with Payplan and have just made the first payment. We have done this in my name as half the debt is in my name and the remainder in my DH's name is mostly HP and a loan which can't be put on without them taking our cars which are essential for work we both work full time and travel 100 mile round trip every day each. Plus we rent and it would really affect things if we had to move.
I owe to around 8 creditors and have contacted and explained the situation to all of them. Most have been quite reasonable and have only sent the odd letter about applying charges to my account due to default etc. However Barclays have contacted me everyday. I can't talk to them when I am at work and I get home at 8pm. I have spoken to them twice and explained the situation however today they have frozen my cards on both my accounts. I have no other money and no way of getting any.
my Dh and I both get paid friday and payplan are worried they will freeze our money which means no bills or rent can be paid no food or fuel to get to work.
We have an 11 mo daughter to feed too.
I just want to cry I cannot cope anymore. I feel like such a failure for it getting this bad.
My main question really was does anyone know if Barclays are legally able to do this without sending me a letter of notice or anything?
Sorry long but I really don't know what to do anymore.