Hello, this is my first ever post!!!! I am looking to clarify some information i have heard please if anyone can help.
I got into and am still in a big financial mess due to long term ill health and not being able to work.
I had 13 credit cards and 4 bank accounts that all defaulted about 2 years ago. They are with all the main institutions... Halifax, RBS, MBNA , Barclaycard, HSBC etc. I have standing orders set up paying them all £1 per month, as advised by the debt charities i spoke to. All have frozen interest and charges, and have not sold on the debt due to my ill health.