Hi everyone, I’m new and need some serious help…never been great when it comes to money which is how I got into my mess!
Below is a list of who I owe money too and roughly how much is remaining to each. I am currently on a debt management plan with payplan and have been since 2007, however Halifax have now decided to start charging me interest again so out of the £200 they get a month £140 goes on interest!!! So now my light at the end of the tunnel is fading fast!
What I want to know is what are my options when it comes to reducing my debt? I know I can write to the credit cards and claim back charges but from what I have been reading I can also write to everyone and request a copy of my agreements. How successful is this? And who would I write too, for instance on the store cards do I write to who the debt is now with, CL Finance?
Look forward to hearing from you as I’m so confused
All of the following were taken out before 2007:
£210 House of Fraser card – Now being collected by CL Finance
£250 Comet card - Now being collected by CL Finance
£3000 Egg Prudential Credit Card
£1500 Sainsburys Loan – Bank of Scotland
£7500 Halifax Credit Card
£2400 Tesco Credit Card – RBS Mint
£500 Natwest Credit Card – Royal Bank of Scotland
£600 Barclaycard Credit Card
Below is a list of who I owe money too and roughly how much is remaining to each. I am currently on a debt management plan with payplan and have been since 2007, however Halifax have now decided to start charging me interest again so out of the £200 they get a month £140 goes on interest!!! So now my light at the end of the tunnel is fading fast!
What I want to know is what are my options when it comes to reducing my debt? I know I can write to the credit cards and claim back charges but from what I have been reading I can also write to everyone and request a copy of my agreements. How successful is this? And who would I write too, for instance on the store cards do I write to who the debt is now with, CL Finance?
Look forward to hearing from you as I’m so confused
All of the following were taken out before 2007:
£210 House of Fraser card – Now being collected by CL Finance
£250 Comet card - Now being collected by CL Finance
£3000 Egg Prudential Credit Card
£1500 Sainsburys Loan – Bank of Scotland
£7500 Halifax Credit Card
£2400 Tesco Credit Card – RBS Mint
£500 Natwest Credit Card – Royal Bank of Scotland
£600 Barclaycard Credit Card
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