One of my creditors pointed me at CCCS (the debt charity), they went through my income (JSA) and outgoings which shows I have effectively no money for much except for food, Gas & Electricity.
CCCS have suggested that I send a standard letter (plus financial budget statement & list of creditors) to each creditor including Vanquis offering them a token payment of (say) £1 a month and asking that the interest be frozen etc until my financial situation improves
Should I be sending those "token payment" letters to each creditor and the same time as a CCA (which I understand helps to establish if the loan/debt is enforceable) or should it be one or the other ?
Thanks
HT