After sending off my letters including my income and expenditure and after taking advice from this forum no bank statements, I have finally had responses from both companies accepting my offer of a £1 token payment per month for the next 12 months or until my situation changes whichever is sooner. I am so pleased that both companies have responded to my offer and they were both very understanding. Not what I thought was going to happen at all, I thought I would be in for a battle but nothing of the sort. I almost felt like calling to thank them and then realised that would be a step too far LOL. Once again my thanks to all of you who took the time to reply to my plea for help it really worked and it's one less thing I have to worry about for the time being

Thank you all so much I have taken on board all of the advice offered and I have sent them a letter from a template found on this brilliant site. I have asked them for all correspondence to be by mail as I would like to have a copy of it, I have also offered them token payments and given them a copy of my income and expenditure. I have set up the payments by standing order so they will commence immediately. This site is amazing, the amount of information and advice on offer is mind boggling and you have restored my faith in the human race. Many Thanks x

Thank you DX I will be brave, bite the bullet and call them armed with your wise words. I will post again with an update as soon as I have spoken to someone. I have never and would never pay for PPI, I have always turned it down. Thanks Again

Hi, I'm new to the site and looking for some advice, I stumbled across the site whilst searching for advice. I have two credit cards one with mbna and the other with capital one I owe about £5000 in total. I am currently receiving benefits due to health problems. I have been paying money to capital one on a reduced payment plan for a while and currently pay £7 per month. Every six months they get me to send a current bank statement plus copies of my benefits letters. I have been paying the minimum monthly amount to mbna up until now as my savings have now run out. I spoke to them yesterday and they have asked me to work out my income and expenditure and to call them back and they will tell me what I can do. Can anyone advise me on how to handle the situation and whether I should just do as they tell me or do I have the right to turn down their offer. I have also read that I should not provide bank statements etc. But I always have as I wanted the problem to be dealt with amicably when dealing with capital one. I haven't contacted any debt agencies and don't really know anything about how I should proceed with the problem. Any help would be gratefully appreciated I look forward to your responses. Thank you