I know this but if your going to get a default on your file its better to get it ealier

thanks all

I think a payemnt offer will be the best idea does anyone have the link to a letter template please>?

Tried to get a loan and was rejected so guessing my credit rating is bad due to high% of debt used. Situation prob wont change

Nope all fully paid up

exact values Barclayclays 8800 mbna 5000

NO sorry I meant "replicate what we do" having set up nothing with any cards atm

Ok there is two cards one mbna and one barclays similar values i was going to replicate what we did with the barclays with the mbna

The card is up to date however the interest is now making it very hard to pay and we rob peter to pay paul pretty much

Thanks for the quick reply no ppi on the card and no charges so you advise offering a token 1 pound payment for xx months? this would make them default quicker. Or making an arranmgment to pay which would show as AP on a credit file?

Hi struggling to pay a barclays card and was wondering if we should contact them or just ignore them untill they default it and then start payiing of?? we know we are going to default just want to get it on file asap so we can start the 6 years count down any help would be great thanks

I have been thinking maybe just dont pay anything untill they sell the debt to a DCA but I dont want to risk a ccj

Yes Im pretty much maxed out and interst free coming to an end soon got a balance xfer card yesterday for 33 months but with a limit of 5k only so im thiking a DMP is the right thing to do

Hi long time lurker. I have got into a situation where I have ran up some quite high debts with Mbna and Barclaycard and these are due to pop the interest rates very soon. I have been reading that sometimes a DMP is not the best way to get interest frozen and maybe to stop paying all together to get the debt moved to a DCA. I am a home owner with not much equity and owe roughly 15k to barclays and 10k to mbna all debts are 2 years old and fully paid no missed payments or chaerges on the account . thank you

Hi long time lurker. I have got into a situation where I have ran up some quite high debts with Mbna and Barclaycard and these are due to pop the interest rates very soon. I have been reading that sometimes a DMP is not the best way to get interest frozen and maybe to stop paying all together to get the debt moved to a DCA. I am a home owner with not much equity and owe roughly 15k to barclays and 10k to mbna all debts are 2 years old and fully paid no missed payments or chaerges on the account . thank you