Hello, I have turned to this forum as I am now close to despair with my debts. I have been self employed for 11 years but lost my contract in the middle of last year. I had attempted keep my payments on credit cards and AMEX charge card on time but started to struggle after 4 months of using savings and fell behind with a number of debtors. When I approached them for help after years of on time payments they didn't want to know!! I have now returned to full time employment but the accrued debt is too large for me to catch up on based on my new salary (which is still wrong as im on an emergency tax code!) I have verbally agreed a 6 month payment plan with Barclaycard (3 cards - Barclaycard original / EGG / Morgan Stanley) and also with HBOS. The major issue I have is with MBNA, RBS and AMEX. MBNA will not accept anything and call me 3-4 times a day every other day and my AMEX bill has been passed onto NEWMANS. I have borrowed money to pay off the NEWMANS part due to their threatening behaviour but sitll owe £1650 which is due for "short settlement" within the next few days. I just cannot find this money so dont know what to do to stop them. I have been reading your forum all day but would really appreciate some clear direction on what to do next? Write to them all and ask for CCA? Write for a debt reduction? Please please help me combat these harrasing agencies. Thanks, Subs PS: I have a list of all the debts / who to / how much and access to my Credit File online