Help needed with C/C debts

blacknight1971

Hi,new to this forum,so please bear with me.Ive got 4c/c's with about 20000 on them,dont use them anymore by the way.One which is virgin(mbna)has the largest which is 9800 and i am struggling to pay the min a month.If i ring them and ask to set up some payment plan etc,do they still keep charging you interest or not??Mnay thanks

never-in-doubt

Have you considered a personal loan? Would be much cheaper....

jonesMUFCforever

Two bits of advice for you.
Firstly make a statement of affairs - all income and all expenditure and post it on the debt free wannabe board,
Secondly make an appointment with CAB or National debt helpline and talk to an adviser.

thriftymomma

Try not to go down the arrangement to pay route if you can as this is viewed nearly as badly as defaults and the like. Good luck,