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Lloyds TSB : First Late Payment on credit card.


ericdog
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Hi, I would be really grateful if someone who has been in this situation could give me advice. I have managed to keep up with all of my debt payments until now. The end of next week is when my Lloyds credit card payment is due which I won't be able to afford to pay. I have been in contact with the National Debtline and they have advised bankruptcy and are sending me out details. They advise sending letters to all creditors asking for a hold action on my accounts. What I needed to know is how long is it before the credit card company begin proceedings. Is it literally the day after your payment is due and how do they contact you? Many thanks in advance.

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