Oh J that is just so totally out of order! I am so offended on your behalf. What is wrong with people? How could anybody even think up something to say like that! It is totally beyond my comprehension. I am so sorry J - I can't believe another human being said that! Maybe it was a disgusting slug disguised as a human!
But on behalf of everyone on this site I would like to thank you and your husband for standing up to the Barclaycard people. Thanks to Melanie and your PP too! Barclaycard is one of my creditors and I am worried now about when their phone calls start - but being forwarned is being fore-armed (so to speak!). I will certainly be on at 4ish to see the poster from your PP!
Just remember J that you and your husband have been through such a lot to get where you are today, and you have succeeded because you are honest good people.
Oh look it's a

- just off to deal with it!

I thought if I sang this enough it would do one!
Bestest of Wishes to you and your husband J.
Poppyfairy [:)]
There's an old zen saying 'Only an empty bowl can be filled'. It means that the moment you think you have nothing left is the moment when growth and progress become inevitable. Everytime you see an empty bowl, think of the potential.