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About IFRS86

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  1. Sorry to be thick here but PRP? Is that the term for pro rata? OC original creditor I presume? My instinct tells me to not let the accounts default, so option 2 would be the best bet. In my position, would you be going down the pro rata route? Haha all CC are cut up yes!! Thanks
  2. Hello Fkofilee Minimum payments without taking arrears in to account Tesco £50 Virgin £200 M&S £115 Halifax £53 Barclaycard £100 HSBC £60 As it stands I could probably stretch to £200 in payments. Pro rata the sensible approach?
  3. I think I just need to know what options are out there and how they work with pro's and cons.
  4. Hello Peterbard. Thanks for the reply mate. My 0% rates have ended on all the cards and that's why I am now unable to pay the minimum payments. I have been careless and irresponsible and it has caught up with me. I am in no way looking for a way to avoid not paying anything. I am Happy to work with the creditors or whoever it may be and get a positive resolution. As for the credit rating as it stands I have missed 7 payments since October over the 6 cards. It isn't great as it stands. I am a home owner with a mortgage and that will be up for re
  5. Hi dx100uk. Yes all still with original creditor. I just don’t know which is the best way to deal with the matters.
  6. Hello all, After browsing the web and YouTube looking for answers I found this platform and have spent the last couple of days or so getting my head around it. Firstly, a thanks. I was worried sick and it was having an impact on my day to life. I know I have an issue, but through reading lots of posts I feel better and more positive about it all. So my issue is simply I now can’t afford the minimum payments on my credit cards. I was someone who listened to Martin Lewis a lot and shifted debt around on 0% cards. Ultimately I still spent and the top and bottom of it is all
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