I took out a halifax card 30 years ago, i was unable to keep up the payments as i am now out of work they came to an arrangement with me where they have frozen the interest and I pay 5 pound a month. I have looked on my Noodle account and see that i am in default. The balance on that account is 12k. The debt is now with robinson way.
I have also been unable to pay my Barclaycard for 4 months ( balance 5k) , they rang me yesterday , i went through my spenditures with them and they advised me that i am in no position to pay anything off it as i have more going out than coming in.. ( Even though i said i would pay a pound off a month) They are holding the interest and i have to contact them in 30 days.? They also said to contact halifax and explain that i can't afford to pay the 5 pounds? I am new to this forum so please bear with me, but i am a little nervous to why they are being so nice. Would someone guide me and set out the does and donts of this arrangement
Thanks in advance