Evening people, Iv just opened a letter from a law firm stating that i must pay £1275.75 within 7 days for a accident that occured last october Looks like the insurence company i was with (swift cover) have not payed the claim i have emailed swift and await there reply but is it possible i will have to pay this money? Thanks in advance rob

Hi fs thanks for reply , no I'm not in any arrears at the moment as I'm making min payments on all the accounts but the balance Is obviously not shifting is there a way I can get the companies to freeze them in order to stop intrest adding on Or is a consolidation loan the best way Thanks for your time Rob

Hello guys and girls, iv just come across this website and by the look of it i am quite glad i did. Im looking for advice about my credit card debts . I am thinking about using one of these companys who help you roll all your debts into one payment but im worried if my credit rating will be affected if i do. was hoping to get a few pointers from you guys any help would be much appreciated many thanks rob.