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Halifax CC, please help

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Hi,

 

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?


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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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