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i sent my first letter off yesterday, and cc: my branch manager... interesting. I spoke to him about stopping paying for charges until a final decision has been made, and due to my circumstances he said the charges could go to an external debt management service, which therefore means that i would get an easier debt management scheme to help me pay the charges off even if i do fail this process! So for me, it is a win win situation, as i am only following this through as the pay-down scheme abbey have me on is too high for my current income! Thanks for the advice though, but good start for me as thay are already on the back foot offering me further options.


Result before i have started in my eyes, as my life will become easier!

hi de hi! :lol:

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