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Halifax Credit Card debt

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Hi everyone

I am having financial difficulty now paying the ongoing interest charges on a £10,400 Halifax Mastercard which I took out as a Halifax Visa before 2000 card and they changed it to a Mastercard in 2005/6.

As I can no longer just pay the £230 per month just to reduce the balance by £5 each month.

Please can anyone give me some advice with regard to reducing the repayments or challenging the legallty of the Credit Agreement ?

Any advice would be greatly appreiated.

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