Hi All thank you for your replies, I'm very new to all this and your help is appreciated. Can DCA apply to take you to court for the money?

Hi Thanks everyone for your help, I will take your advice. I can block the calls on my moby and the LL I just ignore. I had a really srange text this morning from someone calling themselves WMD asking me to ring with regards to 'some business I have with them"? I googled it and they seem to be a DCA so I guess it all starts here? What powers do DCA have I am really quite concerned and very scared, I have always been a normal law abiding person.

Thank you again and I am sorry to keep asking things, so are you saying I shouldn't offer to pay the CC companies anything? Are you suggesting I send one to BC now because they are unlikely to have it as it's so old? Is it not a bit cheeky of me considering I do owe them money?

Ok Andy I will do, what do I do about the rest of them? I hope in a month or two I should be in a position to offer payments but it is not going to be anything like what they want - maybe £20 each is all I will be able to afford?

Asda (creation) phone and text daily interest is still being added. I haven't spoken to them just letters sent. Halifax phone and leave automated voicemail interest is still being added its like I've never written to them? They have not acknowledged one letter. Virgin again never acknowledged receipt of any letters and still applying interest. The others have all suspended interest charges

Is DCA debt collecting agencies, if so then no they are all still with the credit card companies at the moment.

Hi Andy I re posted this as I missed your reply, sorry. Here are the list of cards and balances: Barclaycard - £12,217 last paid March 2017 taken out in the 1990's Asda (creation) - £9,542 last paid April 2017 taken out pre 2010 (guess) Halifax - £3,957 last paid March 2017 taken out 2014 MBNA - £6.995 last paid April 2017 taken out 2014 Santander - £2,992 last paid April 2017 taken out 2013 Santander fixed term loan £1,790 left last paid April 2017 taken out 2013 Virgin - £607 last paid April 2017 taken out pre 2010 Putting it all down seems horrendous but I have always made the payments, never missed any and have no intention of not paying. I have found myself in a situation where I can no longer make the required payments. I'm hoping that in a month or two when things settle down (my partner has only just got a job) I will be able to make some payments towards the debts. I have like I said written to the CC companies every month to keep them aware of my circumstances. I just don't know what to do next. I guess a default notice is pretty bad and I'm going to end up in court?

Hi In April this year I left my job due to bullying in the workplace and relocated to be nearer my family. As I didn't have a job to go to I wrote to all my credit card companies and explained that I would be unemployed for a period of time and wouldn't be able to make my minimum repayments. Different companies have dealt with me in different ways from continued harassment to being fairly understanding! I have always been employed and in have never missed a payment of any sort. I have now found work but unfortunately I no longer work in a city and the wages are no where near what I was earning before. As things stand I am no longer able to afford the repayments - I have kept in touch with the companies regularly, I have written to them once a month to keep them posted of my circumstances. Now I know I cant afford to pay, I don't know what to do next? A couple of the companies (the ones who seem to have ignored my letters) have issued default notices, I don't really know what the implications of this are? Could someone please give me some advice as I really don't know what to do next.