M&S Credit Card

[dizzygirl67]

Hi, me again.

 

I have an M&S credit card with a balance of £3,000 which I havent used for the best part of eight years, Ive been paying it off quite happily at £100 a month till a few months ago.

 

Due to a change in circumstances I called them and arranged reduced payments of 10£ per month, I also asked them to freeze interest which they refused to do and said they'd review it in November, I think there is also a default notice on the account.

 

My circumstances have since got worse if anything and whilst I can afford £10 Im wondering what I should do next as the interest rate is hideous and I want to shrink the debt not grow it!

 

Do I write to them and offer to continue to pay the £10 please freeze the interest etc??

 

Edit: After looking through the other threads do I send them a SAR request to see what they have on file and whether they have sig, I dont honestly remember signing anything and cant remember if the card was originally a store card since converted to a CC.

Edited November 9, 2012 by dizzygirl67