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Help don't know what to do next


nicki02
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Hi I am new to this site. I don't know what to do for the best, both me and my husband have got cc debt of around 20,000 this has got bigger because we couldn't manage to make the min payments as i was off of work ill. Today i got a letter for the solicitor which i gathered was a standard letter sent out from the bank requesting i needed to pay £900 now. I told her that we didn't have that kind of money but now that i am back at work we could meet the min payments. She told me that she would have to have a word with her manager and to ring back on Wednesday. Help i just don't know what to do any advise please.

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Send off a sar to the bank this template can be found under the bank templates section.

CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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The sar will force them to send you a print out of everything that has taken place on your account over the last 6 years. including charges,any manual interventions etc anything to do with your account. if you have more than one account per bank then these account numbers should be added per sar.

CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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The first thing to do is read the FAQ section on the front page of the forum.

This will bring you up to speed and explain what you need to do. If you have

that much outstanding, you will have incurred charges for exceeding your

limit; not paying the minimum monthly payment etc. Those charges are unlawful and you can claim them back from the c/card company, thus

reducing the debt.

And send the minimum amount anyway to try and forestall possible legal

action.

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