I'm new to this site but am after a bit of advice please.
I have 5 catalogue accounts with shop direct and have recently ran into financial difficulty.
I want to pay off the catalogues but cannot afford the monthly repayments on them.
I have emailed all the accounts seperately to request a repayment plan of £10 a month to each account.
This has been rejected by all of them and I am now receiving letters from their collections department.
I am really worrying about this as they are piling on interest and arrears charges too.
Any advice tha