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Break point, more going out than coming in! What now?
InDeeperThan_I_wanted
Posts: 29 Forumite
in Credit cards
Hello.
I've reached the stage where I have more going out than I have coming in. Barclaycard have suspended my card as I owe them £3k. Nationwide are getting impatient as I've not made a couple of their payments and owe them £3k. MBNA are being a pain as I cant make their payments and the minimum isn't enough now as it takes me over my limit £8700.
All my own fault of course, and not looking for sympathy or such like. I just need some advice about what do I do now as far as dealing with the credit card companies? I have my car, bike and van up for sale (£6k conservative total value) but not even getting bad offers!
Many thanks
I've reached the stage where I have more going out than I have coming in. Barclaycard have suspended my card as I owe them £3k. Nationwide are getting impatient as I've not made a couple of their payments and owe them £3k. MBNA are being a pain as I cant make their payments and the minimum isn't enough now as it takes me over my limit £8700.
All my own fault of course, and not looking for sympathy or such like. I just need some advice about what do I do now as far as dealing with the credit card companies? I have my car, bike and van up for sale (£6k conservative total value) but not even getting bad offers!
Many thanks
0
Comments
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I'd suggest you go over to the Debt Free Wannabe section of this site and the guys and gals there will help both look at reducing your outgoings and negotiating with your creditors.
Alternatively there are charities like the CCCS or Citizens Advice0 -
Thanks. I'll repost this there and ask a moderator to remove this thread.
0 -
Thread on DFW is here https://forums.moneysavingexpert.com/discussion/41107230
This discussion has been closed.
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