Hi guys, I just want to say thank you all so much for your help, your advice has really helped with the worry!

Hi bazaar, what is a CCA? if they do default me am I correct that my credit rating is destroyed for atleast 6 years? Thanks

Hi, yes I had to provide copies of 2 months bank statements and pay slips, together with their expenditure/income form. To be honest before this threat of default, they were fine with me, I was honest and paid what I could (I want to get the debt cleared as quickly as possible). Every time I received a payrise, I proportionatly increased my payments to them. The default threat is therefore a complete surprise - I guess like all the banks, they are in trouble and are trying to reclaim as much debt as possible. Good luck with your OH getting a job, tell them to keep trying and they will get there in the end!

Due to an unexpected drop in income, I was unable to pay my Capital One credit card account monthly payment in full from 2005. Since then I made arrangements to pay a reduced amount each month, which is reviewed every 6 months. The arrangement is due for renewal again, and they have decided to threaten me with default and blamed the Government for the legislation. I contacted my MP and found this to be a lie. Has anyone else had this problem and can advise me how to respond to them. I do not want a default on my file. Thanks