Credit Card Debt. Best Solutions Please !

I have credit card debts of around £10K an I am currently unemployed.

I am going to draft a letter to sent to the credit card companies concerned asking for a reduction in payment.

Has anybody else done this and if so, what was the result?

I also have around £9K in a Retirement Investment acount which would solve the problem but as I am only 56, I am unsure as to whether I could claim it as a lump sum.

Any ideas?
Regards,

Birkonian

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