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I am in serious trouble with credit cards

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Comments

  • sparky0107
    sparky0107 Posts: 3,496 Forumite
    Debt-free and Proud!
    Bumping you up
    Sparky0107 - Sealed pot challenge member #002. Total for SPC3 £1,030.57 Total For SPC 4 £2247.00 Total for SPC 5 £2574.62 :T Total for SPC 6 £4552.91:T
    :rotfl:LC2 & Jakes-Mum are off their heads :rotfl
    :j DEBT FREE AS OF 20/01/2012 :j
  • RAS
    RAS Posts: 36,175 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Up she goes.
    If you've have not made a mistake, you've made nothing
  • RAS
    RAS Posts: 36,175 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Claire

    Ninety pervcent of SDs are just designed to freak out the person receiving them, but 1st credit are under special measures which means they should not be usig them unless they really mean business.

    Please can you talk to NDL or CCCS tomorrow http://www.moneysavingexpert.com/loans/debt-help-plan#help

    And can you go round the house and try and find the default notices for these cards, please. You do not have a lot of time and it may be possible to halt them in their tracks.
    If you've have not made a mistake, you've made nothing
  • claire-_5
    claire-_5 Posts: 6 Forumite
    Hi, thanks for your replies you have no idea just having someone to talk to as helped.

    what do you mean by default cards, ? i have kept all letters from them.

    its so hard isnt it :confused:
  • fredsnail
    fredsnail Posts: 2,068 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    bumpy for claire.

    Good luck - it is hard but you're taking the first steps.
  • RAS
    RAS Posts: 36,175 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    thanks frednail

    Claire

    you need to contact one of the debt charities in the morning. Definitely speak to NDl but in your situation Christians Against Poverty might be very useful.

    http://www.moneysavingexpert.com/loans/debt-help-plan#help

    Since you keep all letters, please find the default letters and send a pm to 10past6. it may be that those letters do not meet the legal requirements.

    will try and find this thread tomorrow and see how you are doing but am very busy at the moment.
    If you've have not made a mistake, you've made nothing
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