I do have my own house and i'm not too far off retiring. no savings tho and no pensions or anything Can anyone give me any advice as I have never done this before. Do I ask the Credit Card company or Hamptons who have bought it for the list and do they have to stop chasing and threatening me whilst it is in despute. Not to go into too much detail I had a nervous break down last year and I'm just starting to feel "Normal" ha ha again. and started looking for work. But this is upsetting me

Thats the thing, I do have my own house. Thats why I thought at least going for charges would reduce the debts and probably clear them.

Unfortunately No. It got to the stage where the payments I could make were not enough to cover the charges. so I stopped paying. It felt like I was wasting my time.

This is my first post. A long story, but will make it a brief as possible. Had 2 credit cards Capital 1 taken out 2003 via internet balance 4713.40 and now sold to Hamptons/red/Lowell according to them. not responded to this debt. I do actually have the approval letter they sent me , i think I must have signed a credit agreement and returned to them and I have a copy of the credit agreement unsigned that they sent me. Also Vanquis not sure when taken out but also via internet - also according to the above clan bought out by them.balance was 986.98 Think I made a mistake in arranging to pay them 10 a month last Oct as they scared me. so paid 4 months , so balance now 946.98, then lost my job through depression so Direct debits were cancelled. Have I shot myself in the foot? last letter says applying for CCj's etc or deductions from wage!!! I'm on benefits at the moment. Do i ask for copy of cca or am I best going for repayment of over limit fees etc can anyone help please Honestly not sure where to start but I am sick of being bullied by these companies and their threats. You guys have given me the inspirataion to fight the bu**ers back Oh and I am now at the stage with vanquis that I have to reply to them in the next 2 days or they will take me to court for CCJ or serve a statutory demand upon me and petition for bankruptcy ????