Credit card and payplan?

calmgirl

I am just starting to write letters to my creditors as advised by payplan and I cannot remember if a credit card is a priority debt or not. We have an arrangement with Metropolitan, the credit card collection company to pay our arrears off at 65.00 a month. I am making token payments to the other creditors. Can I do this with the credit card too or do I have to stick to the arrangement with Metro? Any advice would be great Thanks

calmgirl

Please someone answer me cos I would like to write the letters tonight.

Bestthingsinlifearefree

HI Calm girl,

I thought priority debts were rent / mortgage, council tax, utilities electric / gas / water and NOT credit cards.

Maybe you can check on their website.

Its just a guess from memory from what I have read on here, but I am sure some one who definitely knows the correct answer will post a reply soon.

Good Luck.

Northernbird_2

Credit card debt is not a priority. Definitely not. Not when it comes to living anyway.

Good luck xx

calmgirl

thanks very much I will check on their website, I didn't think it was but was worried cos I agreed to a certain monthly limit

davek1

deffo not a priority. make sure rent/mortgage, council tax utilities etc are paid first.

Just explain to them that other debts are priority and that you are offering what you can afford provide them with a statement of affairs showing income and expenditure.

dave

calmgirl

ok thanks dave