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Advice on making initial contact with UK CC firms

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Am a UK citizen, resident in Holland and working here 4 years, in debt to UK CC's. Owe uowards of 15k, and because of domestic , family and mental health issues am in arrears, and have defaulted, and account are suspended The firm are asking me to make contact. Since the debt is mine, am not sure what to say, or wheher to phone or put it in writing. Obviously, am not wanting the debt to grow, but not sure what can be said or done at this stage. Any ideas?

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You would be better writing to them & offer a nominal payment of what you can reasonably afford even if it's only a few pounds per month.


Was there any PPI included in any of these debts? If so you can reclaim that + statutory interest.

Anthrax alert at debt collectors caused by box of doughnuts


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17 Port & Maritime Regiment RCT

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Hi don't forget that with credit cards the charges are classed as unfair and can be reclaimed along with any interest applied due to the charges.



cannot find it A to Z





Halifax :D

Paid in full £2295


MBNA:mad: 20/03/2008 settled in full out of court


Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs


Littlewoods :-D

12/08/2007 write off £1176.10 debt.


JD Williams charges refunded in full £640

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