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Total Mess! Not sure where to start first - Help!


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Basically, this is the current situation with my husband's credit cards etc.


Mint Credit card - Missed several payments - just received default

MBNA CC - Missed several payments - just received default

Barclaycard CC - same as above but now received letter from DCA as well

Capital One CC - Recently set up a Payment agreement to pay a reduced rate at moment with agreement to pay balance of 3k in October (could be a problem)

Lloyds TSB CC - just fallen behind with payment


Our thinking is that he needs to put in a CCA request and keep fingers crossed that none of them have got one. Not sure whether to write and explain hardship and try to get a reduced payment plan at the same time as applying for CCA???


Can someone help to put course of action into prospective? Just taken heads out of sand and now panicking - big time!!!:eek:


Any advice gratefully received....

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