paying off my credit card

rippersgroupie · 6th July 2008, 15:21

Hi

Needed some advice.

I have a credit card that spiralled out of control and is actually sitting over the limit I had on it.
I wrote to Mint to say I can't afford to pay it and can we set up some sort of payment plan.
(there is £4500 on the card and I can only afford £100 a month at the moment)
The sent me a form for filling in my monthly outgoings but before they received it back I got a letter from them saying thanks for contacting them about not being able to pay and that i had 17 days to pay nearly 300 or my credit card would be defaulted and stay on my record for 6 years.
I think it also said something about having to pay the amount in full or something?

What do i do!!??

also, I live with my (soon to be) husband. we have a mortgage and a joint loan that is in both of our names (his first) so I am really worried about how this will affect him. I don't want his credit rating to go down the pan because of my silly mistakes.

THanks!

old_andrew2007 · 8th July 2008, 23:25

Hi
Are you able to upload the letter after removing any personal identifable information, I am sure you will quickly recieve advice.

Andy

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