Thanks Not yet, they're not open today and I only got the letter this morning (wasn't home yesterday/last night so this is the first chance I've had to see it).

Hi, I have too much debt to cope with at the moment, and have a CC with Halifax with a limit of 2500. In November I couldn't afford the minimum repayment so set up a payment arrangement with them of £20 which they said would last until May. I've been on time with these repayments since then. I've now got a letter from them saying my account is in default and if I don't pay £225 by the 30th then they will take me to court (I don't have £225). I don't know what to do I have other debts of £1000 with Vanquis (yeah, I know)... around £1800 of a £2500 loan with Natwest and around £440 of a £500 Natwest CC. I'm struggling paying most of these and don't know where to turn next and I'm terrified.