Hi guys
I have a debt on a Nationwide credit card I took out last year.
I lost my job in March and missed some payments.
I asked Nationwide if I could lower the min payment and they refused.
Now they have passed the debt onto a company called Frederickson who keep on calling me.
I have now just started a new job.
Is there anything I could do.
Fredericksons say I have to pay them £2600 now.
The debt with Nationwide is just under £2400.
I'm only 21 and I really shouldve thought about getting this card because now my credit score is messed up.
I dont want to avoid the debt but it seems that they dont understand that I cant pay £2600 right now.
Frederickson call me 3x a day and keep texting me
Advice on this matter will be amazing
Thanks in advance
