New to this & Dealing with Triton & RBS CC debt

moneycomemoneystay

After deciding last night not to get too depressed about this I decided to post for the first time. I defaulted on the RBS CC in June after missing some payments. In hindsight I coud l have dealt with better by calling and telling them I could not make the minimum. Anyways after refusing to accept what I said I could pay they sent it to the solicitors but I eventually spoke with someone at Triton Credit Servcies who agreed to £200 for 3mths which just ended. I called last night to make a payment and to say that I could not now afford £200 due to partner now redundant (unemployment caused the debt in first place for 6 mths last year). They said they could not but I insisted that a manager called me back and they called back to reduce to £180. I may not be able to make this at end of month unless things improve.

My experience has been that they refuse to accept that I cannot pay more and think that because I work full time and own my property that they can stick to the highter amount and even said that a judge could take it from my salary?
I have cutback a lot non essentials and even got cheaper childcare but things are still tight as mortage just went up by £400. Unable to get better deal because credit is rubbish due to default. I have managed in the last 2mths to get rid of OD of £1000 as was using constantly even was charged over £1500 in OD charges. I am currenlty within OD but fear it will go over again as nearing limit. I have enquired about and IVA but backed out as other agengy suggested that a debt management programme maybe better.
In all we owe about £35000 in bank loans & Credit card plus a mortage.
I have managed to cut back outgoings by £150 a month so far and have a few more bits I could chop but it will not dent the current debt. We lost about £2800 with partner not working any suggestion on what to tackle first? My initial enquiry was about what to do with Triton trying to reduce payment to them

Thanks
MCMS - I will be debt free

OliveOyl_2

Hugs hon.
I'm giving your post a bump as the board seems busy today and you've slipped. I'm at work so can only post occasionally & briefly