Need urgent advice, behind on repayments

JLovely

Hey everyone! Well things are looking up - Black Horse have agreed that if I can make this months payment (which I can on Monday) they will waver last months bounced payment as I had made 9 consecutive payments prior to that - so they say I can use it as a payment holiday and resume paying the loan on the 1st August without worrying about the missed payment. *Breathes a sigh of relief but knows not to allow this to happen again*

Northern Rock have sent forms for us to go Interest Only, they go back in the post for them tomorrow and that is looking highly likely too - so we will be paying them back £100 a month and within 4-5 months the money we have overpaid should be back up to £500 - which we are then allowed to borrow back, and of course we will then pay off even more of what we owe them - which totals £2,300.

With regard to the Credit Cards, well I have sent a payment off to Capital One for £20 - all I can afford at the moment and have explained this to them in a letter.

Egg - well Im going to continue paying them £70 a month for the time being.

I have also posted my letter to Abbey asking for my 6yrs worth of charges.

Thanks for all of your support. Oh and the advert advertising hubby's "extra" services - man with a van, is going into the local paper next week.

My Top Hat goes to auction in Oxford on 24th July too, it has a reserve of £100, so hopefully it will make that - or more, which will help pay off something too.

hypno06

Things are looking up indeed. What a difference a couple of days can make.

Keep going, and keep posting too.