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unable to make credit card payments help needed

linny17
linny17 Posts: 2 Newbie
in Credit cards
i have a halifax credit card and owe £1,000, no card repayment protection, i am now unable to make the minimum payments they ask for each month,can i ask for reduced payments as i am in receipt of disability allowance and housing benefit?

Comments

  • tiff
    tiff Posts: 6,608 Forumite
    Part of the Furniture Combo Breaker Savvy Shopper!
    Hi, I'm sure if you post your question in the debt free wannabe forum you will get a better response. Hope this helps.
    “A budget is telling your money where to go instead of wondering where it went.” - Dave Ramsey
  • Beast
    Beast Posts: 333 Forumite
    You may be able to ask for reduced payments but this will damage your credit record for some years to come.
  • miss_missy
    miss_missy Posts: 253 Forumite
    hi
    how much is your minimum?
    i wouldnt have thought it would be much more than £20 a month unless you are incurring charges do you have other debts it might help you to look on debt-free wannabe forums for advice on talking to cccs or paypal sorry cant help you much but better to sort it out sooner so not to get charges
  • lyndorset
    lyndorset Posts: 132 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    miss_missy wrote: »
    hi
    debt-free wannabe forums for advice on talking to cccs or paypal
    Why talk to paypal?

    Im looking for inspiration this has got me confused?
  • tiff
    tiff Posts: 6,608 Forumite
    Part of the Furniture Combo Breaker Savvy Shopper!
    I think she might mean payplan, another debt management company (not sure as have no experience of these but did a quick google).
    “A budget is telling your money where to go instead of wondering where it went.” - Dave Ramsey
  • miss_missy
    miss_missy Posts: 253 Forumite
    tiff wrote: »
    I think she might mean payplan, another debt management company (not sure as have no experience of these but did a quick google).

    yes i did thank you tiff
This discussion has been closed.
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