help i so need your advice

sweetangel63

got this letter.

I have recently recieved a proposal regarding the payment of your nationwide credit card account. I have carefully considered the information you have provided but unfortunately i am unable to accept your proposal. please contact so we can discuss options. I dont have a housephone!
If i dont hear from you in the next 7 days i will have to serve you with a default notice. Also your account will be referred to our debt recovery team who will consider legal proceedings to recover any out standing debt. if you are not sure waht to do, you should get help as soon as possible. for eample debt councelling organisations. I did the proposal with the forms that cccs sent me. and the budget plan i did for me!

this is the first one. help
what do i do!

Angela x

Lucy1982_2

How much is the debt and what is the APR?

I'm not best qualified to help but I'm sure someone else will be along in a minute

Welcome to the board

taxi73

I think that is a stndard letter just pass it on to CCcs if you are setting a plan up with them....I read quite a few companies do that at the start

danno_4

Hi sweetangle,
need to know the ammount of debt to nationwide,also other debts,can then advise,would not contact them by phone.
regards
danno

sweetangel63

*sigma (adams) £644
*Barclaycard £717
Grattan £48
Ikea £30
Kays £140
Littlewoods £450
Lloyds overdraft £700
*Personal loan £2156
*Lloyds credit card £437
*Marks more card £600
Nationwide overdraft £350
*Nationwide creditcard £269
Natwest overdraft £100
next £300
*Virgin £2028
Bt £200
*Lovefilm £40

have sent letters asking to accept token payments to the oones with *
i have a decifit of £20 a month....
cccs advised me to do token payments and send off a budget plan and letter which they supplied and i photo copied

anyway advice be appreciated

Angela :-)

sweetangel63

any other advise be apprecaited as feeling some anxiety about this.
angela

immoral_angeluk

If you're dealing with the CCCS then send the letter to them. Also you could try writing to them again stating that you have the token payments are what the CCCS advised you and reoffer it, enclosing a cheque for that amount.