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the late payments charges have started

I have sent some letters to the creditors. i dont have a landline as i got disconnected. banks have started to charge me for late payment now. as i only paid them a £1 (token payment) so now i owe £12 more than before so disheartening. back from my hol and starting again as i did not write what i spent. start again today. did not use credit cards though.
Angela
next £500
loan £1800
marks more card £850
barclaycard £850
[STRIKE]gratten £102[/STRIKE]
littlewoods £127
virgin £2000
nationwide £350 overdraft
lloyds £750 overdraft

all interest frozen for next 6months

paid to date in 2007

[strike]nationwide credit card £600[/strike]
[strike]lloyds credit card £480[/strike]
[strike]
adams store card £856
[/strike]

Comments

  • tomterm8
    tomterm8 Posts: 5,892 Forumite
    Part of the Furniture Combo Breaker
    1. Have you posted you SOA?
    2. Have you contacted CCCS / PayPlan / the debt management team in Citizens Advice Bureau for free advice?
    3. Have you written to the creditors with the letter asking for a suspension of action from the national debt line?
    “The ideas of debtor and creditor as to what constitutes a good time never coincide.”
    ― P.G. Wodehouse, Love Among the Chickens
  • yes just posted some of the letters got to photo copy some more budget plans.
    had another one today...

    all good fun hey

    angela
    next £500
    loan £1800
    marks more card £850
    barclaycard £850
    [STRIKE]gratten £102[/STRIKE]
    littlewoods £127
    virgin £2000
    nationwide £350 overdraft
    lloyds £750 overdraft

    all interest frozen for next 6months

    paid to date in 2007

    [strike]nationwide credit card £600[/strike]
    [strike]lloyds credit card £480[/strike]
    [strike]
    adams store card £856
    [/strike]
This discussion has been closed.
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