I just thought if we were struggling that we’d get asked to cut back where we could I.e., the car. So, we currently owe the following credit cards... Tesco £8,485 Barclaycard £3,283 Mbna £5,395 Halifax £5,282 Asda £3,845 A lot of my payments are due tomorrow but I’m thinking I’ll write to them all explaining my situation but don’t know how to explain it, so looking for help with a letter. Thanks.

Good morning I’ve come across this group on my search for what others have done and looking for help in our situation. Briefly, we took out a consolidation loan in 2017 to pay off all our credit cards, and have been very stupid and just ran them all up again . At the moment we’ve been paying the minimum on them all, sometimes late (juggling when we get paid with what is going out, that isn’t on a DD)... but now we’re struggling to meet the minimum payment. I will be late again on Monday paying, but as of yet have not defaulted. We’ve now agreed that we need to see if they will freeze the accounts and accept an offer of payment. Does anyone have a template they have used that has been successful, or could point me in the direction of one please? Also, we have a car on a four year lease which we’re into our third year. Does anyone know if we will get asked to hand that back first to help with finances (or even if we’re able to get out of it ourselves early)? Reading other posts, I’m guessing that once we go down the route of asking the credit card companies for help our credit rating will be ruined? I appreciate any advice. Many thanks