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Halifax CC, please help

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I have too much debt to cope with at the moment, and


have a CC with Halifax with a limit of 2500.


In November I couldn't afford the minimum repayment so set up a payment arrangement with them of £20

which they said would last until May.


I've been on time with these repayments since then.


I've now got a letter from them saying my account is in default

and if I don't pay £225 by the 30th then they will take me to court (I don't have £225).


I don't know what to do :(


I have other debts of £1000 with Vanquis (yeah, I know)...

around £1800 of a £2500 loan with Natwest and

around £440 of a £500 Natwest CC.


I'm struggling paying most of these and don't know where to turn next and I'm terrified.

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Hi welcome to CAG,


Have you asked why the bank has gone back on the arrangement?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks :)


Not yet, they're not open today and I only got the letter this morning (wasn't home yesterday/last night so this is the first chance I've had to see it).

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