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Help with CCA im new to this


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Just singed up been reading loads of threads loads of information and templates.

I got myself in to £45k of credit card debts with various credit cards, my hours have been reduced so now I cant keep up the minimum monthly payments on all the cards,I checked with the National debtline who advised me to write to all advising me of my situation with a template off their website, this seemed like a good idea, but reading the threads about the CCA I think i should go down this route, using the template seems straight forward my only question do i need to advise in a separate letter to all credit cards that my hours are reduced or just do the CCA letter, would two letters prejudice my case, at this moment in time I havent missed any payments but during the next few days i probably will, help please.

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