Hi Iam new to this but i am hoping for a bit of help.
My problem is with my barclaycard. Iam at my credit limit and can only afford to pay the minimum amout each month. The problem started a couple of months ago when i was late paying and got a late payment charge of £12 which took me over the credit limit. Now each month when i pay the minimum amount this only just covers the interest so i get another £12 charge for going over the credit limit which means this is growing.![Tinysmile Angry T](https://legalbeagles.info/forums/core/images/smilies/tinysmile_angry_t.png)
How can i resolve this? At the moment i can not afford to pay more. I dont like talking to them on the telephone. Can someone help me with a letter to send to barclays which can help me sort this problem out. Thank you for your time
My problem is with my barclaycard. Iam at my credit limit and can only afford to pay the minimum amout each month. The problem started a couple of months ago when i was late paying and got a late payment charge of £12 which took me over the credit limit. Now each month when i pay the minimum amount this only just covers the interest so i get another £12 charge for going over the credit limit which means this is growing.
![Tinysmile Angry T](https://legalbeagles.info/forums/core/images/smilies/tinysmile_angry_t.png)
How can i resolve this? At the moment i can not afford to pay more. I dont like talking to them on the telephone. Can someone help me with a letter to send to barclays which can help me sort this problem out. Thank you for your time
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