help please and advice on debts

blu_ray

hi all i hope someone could give me some advice on dealing with my debts i have

payments monthly

hsbc--236
gapital one-244
mbna--229
barclaycard--157

now if it was not for these i would be fine with my wages but paying these is a struggle--could i write them all a letter to see if they would accept a token payment until i get this sorted out,and until my partner finds work ,,i have never missed a payment but i am living on my overdraft at the mo,,i have cut down on luxurys like,,tv/braodband/subs magazines so nothing else i can cut down and our shopping is very small now about 40 pound for a family od five so we are trying

any advice would be gratefull thasnks

10past6

Hi

Welcome to the forum, you could send the letter below, it's doubtful tho they will just reduce you payments like that, if you are struggling with making payments, contact one of debt charities within my signature.

DCA / Creditor’s Address

Date

Dear Sir/Madam

Re Account No/Reference No:− xxxxxxxxxx
Since making that above agreement with you, our circumstances have changed.

We cannot now afford to agreed monthly payments because ... [your paragraph added here]

We enclose a Personal Budget sheet which shows our total income from all sources, and our outgoings. As you can see we have only £xx per month left for our creditors.

The offers we have made to our creditors have worked out on a pro−rata basis, and we have written to all our creditors asking them to accept reduced payments.

In view of our circumstances, please would you agree to accept a reduced offer of £xx per month. If interest or other charges are being added to the account we would be grateful if you would freeze these so that all payments made will reduce what I owe you.

Should our circumstances improve we will contact you again.

We would be grateful if you would send a paying−in book to make it easier to pay you. Thank you for your assistance. We look forward to hearing from you as soon as possible.

Yours faithfully

blu_ray

thanks will do

RAS

Blu-ray

Do you have any old accounts on which you may be able to reclaim charges? Or is there PPI on any of these debts?