Natwest loan & credit card

[4frnt]

Hi all,

I am new to the forum, and would like to say hello, and explain my first post, I hope its in the right area.

Basically I'm trying to sort all of my current debt issues,

But I would like to start with natwest account(s)

Of which I have a loan, credit card and current account.

I pay £235 p/month to my *loan and have never missed a payment for the last 4 years i believe i have just under 2 years left to pay on this

I have my natwest credit card at £1850 limit which i have default payments the last 3 months, and it is on the limit.

What i would like to do is write to natwest and ask for a loan holiday of say 6months so I can pay my credit card to an acceptable limit in this time.

Can anyone offer any suggestions and whether they feel this will prove fruitfiul?

Many Thanks

Andy

*Tools edit for clarification

[leclerc]

Re: Natwest loan & credit card

Can I clarify if the payment of £235 is to the loan or credit card?

[4frnt]

Re: Natwest loan & credit card

£235 is the loan thanks

[leclerc]

Re: Natwest loan & credit card

I think you need to ask natwest about what they can do for you with regards to the credit card because they will not give you a loan payment break in spite of never missing a payment. I am surprised you hadn't consolidated it earlier with the loan tbh.