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hi i am new to the site so plz forgive me if i post in the wrong place or do something wrong..

basically i have got myself in to a terrible situation (i know its my fault) i have 5 current PDLs

swift sterling 660

cfo 390

pound access 190

uk lending alliance 79

lending stream 200

i also have credit card debt and a littlewoods account, i can afford to pay these bk at the min amount atm, i have recently went thru relationship break up and i am in the process of moving out of the house i lived in with my ex

as i am now paying rent on my own and child maintence i can no longer afford these PDLsm i have read a few posts on here about payment plans and geting charges freezed. i am looking for some advice on how to do this and if this companys r co-operative

thanks for listen

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Hello and welcome to CAG.

 

I'm sorry you haven't had any replies yet, I'm bumping your post up the thread in the hope that someone will spot it and advise you.

 

My best, HB


Illegitimi non carborundum

 

 

 

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read the forums, keep documentation of anything agreed. Ask to split balances by a reasonable amount and only pay them direct not via card.

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Hi and welcome.

 

In the first instance I would be looking here for some ideas on what letters to send. Be prepared for them to refuse but if you stick to your guns you will find most (if not all) will accept (grudgingly)

 

Work out what you can afford (after taking out your essential outgoings) then you could offer pro-rata payments or just a pound a month until your finances improve.

 

Be prepared for your credit rating to get severely stuffed


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