My credit card

Greeneve

So I've been out of work for about a year now, and haven't paid/checked/contacted my bank regarding my credit card. The original debt is for 1500, I checked noddle and it says 1600ish which is fair considering I haven't paid, though I have an inkling that it might be a whole lot more if I ring the credit card company.

I moved house around two times since having the credit card and didn't inform them of my move, however I told my normal debit card people and it wasn't until my last move around a week ago that the debit card and credit card accounts are totally different although the same bank.

I've been reading a lot on a Facebook group, about messaging the Debit side of things and getting refunded bank charges due to hardship. Would this be the same case for the credit cards? - refunding missed payment charges because of hardship?

I haven't been working for a year, sofa surfing between my parents, friends and boyfriend. Haven't been able to pay a whole lot of anything but luckily the only debt I have is the credit card

I'm scared to ring them incase they demand money from me straight away, and I'm not due to start work for another 2-3 weeks, a little over 10 days.

This year it would be two years since I got the credit card.

Obviously I would like to pay it off, but is there any way I can arrange a payment plan? Because I hear of people making a payment but the charges mess you up so in effect are only paying off like a tenner when you've paid, I dunno, fifty?

Thanks for your advice

[Deleted User]

Contact them to arrange a payment plan. This will mean that interest and charges should be frozen. At the moment, it'll just be spiralling out of control.

Greeneve

What about the charges for the year I haven't been in contact with them? Are they likely to take those of or?

And should I contact them now when I haven't started work and can't offer them anything? Im self employed and won't be getting paid properly until maybe two weeks after I start working which means I won't be able to offer them anything in the next month /month and a half

[Deleted User]

The sooner you contact hem, the sooner you can cap the charges. If you initial offer needs to be low until your start work, then that's fine.

You may get some goodwill on previous charges, but you need to stop them being added.