Hi there I came across this forum after searching online and need a bit of help if possible. I have two credit cards aqua and capital one and I owe £220 on the aqua and £330 on the capital one which are both rising with interest and late payments. Both have entered default and it's my fault as I wasn't able to cope with my finances too well (job loss). The late payment and interest make up a chunk of the debts and I would like help and guidance on how to proceed to pay monthly. Should I ring and dicuss with them to set up a plan? Is there a way to remove the excess charges like?
Capital one aqua
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