Ah ok. Thanks again for your help, it's much appreciated. Ed

Oh, I forgot to ask.... When you say make 'full complaints', what does this mean in terms of what complaints and to whom? Thanks Ed

That's really great advice, thanks! I will keep the forum posted on how I get on. Ed

Ah, that's great! Thanks for the link. I will send it through to them and I will post on here how I get on. Thanks Ed

Thanks citizenB, Is this something that the CC co's would go for? If so, then yes.... What would a smallish payment equate to? And what would then happen, if after the agreed period, I was still in difficulty? Thanks Ed

I currently have three credit cards which I currently owe in the region of £35k in total on. I have recently been unable to make the minimum payments on them in the last 3 months due to work drying up, and not looking much better in the forseeable future. One of which is with Natwest. I wrote to them saying that I am having trouble paying, and they just keep sending me letters saying that I should call them as they need to speak to me urgently - I have not done this yet. What I really want to find out is what I should do next, seeing that I can't pay them the amounts that they want in the near future, but I would really like to pay off the amounts in the future, but not sure when that would be. Therefore, I would appreciate any help that anyone can provide me, as I really want to take control of this situation, from a process perspective and a financial perspective. Thanks Ed

I currently have three credit cards which I currently owe in the region of £35k in total on. I have recently been unable to make the minimum payments on them in the last 3 months due to work drying up, and not looking much better in the forseeable future. One of which is with MBNA. I wrote to them saying that I am having trouble paying, and they basically said tough and that they will continue putting on interest, and that in the mean time I should send them an Income and Expenditure breakdown, which I have yet to do. What I really want to find out is what I should do next, seeing that I can't pay them the amounts that they want in the near future, but I would really like to pay off the amounts in the future, but not sure when that would be. Therefore, I would appreciate any help that anyone can provide me, as I really want to take control of this situation, from a process perspective and a financial perspective. Thanks Ed

I currently have three credit cards which I currently owe in the region of £35k in total on. I have recently been unable to make the minimum payments on them in the last 3 months due to work drying up, and not looking much better in the forseeable future. One of which is with BC. I wrote to them saying that I am having trouble paying, and they gave me 30 days to sort out a plan and that they will freeze the interest for one month and that I should send them an Income and Expenditure breakdown asap so that they can sort out a payment plan. What I really want to find out is what I should do next, seeing that I can't pay them the amounts that they want in the near future, but I would really like to pay off the amounts in the future, but not sure when that would be. Therefore, I would appreciate any help that anyone can provide me, as I really want to take control of this situation, from a process perspective and a financial perspective. Thanks Ed

Ok Oleg, will do. Ed

Thanks dx, The CC companies are MBNA (did not freeze interest), Barclaycard (did freeze the interest) and Natwest ( asking me to contact urgently). The amounts are roughly £15k, £10k, £10k respectively. I have not even considered anything regarding PPI or penalty charges. Any advice appreciated. Thanks, Ed

Hi, I currently have three credit cards which I currently owe in the region of £35k in total on. I have recently been unable to make the minimum payments on them in the last 3 months due to work drying up, and not looking much better in the forseeable future. I have sent the CC companys a letter stating that I am having trouble paying and I requested that they freeze the account for two months including halting interest whilst I try to get a handle on my finances. One wrote back saying that they cannot freeze the interest, and that I had better cough up the money or else. One wrote back saying that they will freeze the interest for one month and that I should send them an Income and Expenditure breakdown asap so that they can sort out a payment plan, and the other one has only sent me several letters asking me to phone them urgently. The oldest CC is from 2002 and the newest is from 2008. I am not sure whether I should provide anymore detail on here, and I will follow advice given as to how much detail I should give on here. What I really want to find out is what I should do next, seeing that I can't pay them the amounts that they want in the near future, but I would really like to pay off the amounts in the future, but not sure when that would be. Therefore, I would appreciate any help that anyone can provide me, as I really want to take control of this situation, from a process perspective and a financial perspective. Thanks Ed