credit card debt

keithwill

i have credit card debt,i have been to the cab and they have worked out my finances and how much i can reasonably afford to repay monthly and these offers have gone out to the credit card companies,2 have rejected it out of hand barclaycard and avensis who have already engaged a collection agency,i get calls every day but the cab told me to ignore these,what i want to know do i let the cab keep handling the credit card companies as i send them copies of all letters i recieve,and just wait for the inevitable which i realise will be ccj,s and collection companies,,and help would be very welcomed

Deep_In_Debt

Hi
Barclaycard were a nightmare for me and have been quiet since May. I just ignore the calls - there is a letter you can send them asking for contact in writing only.

Hopefully the CAB should deal with your creditors but it does take a bit of time for it to settle down. I've been on a DMP since the beginning of the year and still get hassle from a creditor who refuses to accept my DMP.

You won't necessarily get a CCJ - if you are threatened with it then CAB and this forum will be able to guide you through the process.

To be honest, I preferred it when my debts were passed to collection agencies as they were easier to deal with and tended to accept the DMP.

Sorry, if I've not been much help. It does get easier - just need to ride the storm for a while. I ignore telephone calls as I refuse to be bullied into paying what I can't afford and demand to deal with them in writing. If you do happen to answer the phone to them, refuse to go through the security questions, tell them you will only deal in writing, let them know that CAB are dealing with it and hang up.

Good luck and keep posting.