mahash:- that i need to go through CAB to negotiate with them.

You can also go to the following for which the agencies will accept payment plans. It not only CAB.

http://www.nationaldebtline.co.uk/

http://www.cccs.co.uk/

http://www.payplan.com/

Huckster

I was recently in full time employment, due to unforseen circumstances I moved abroad and cannot work at present. I have three credit cards which i was hoping to pay with my savings. My savings are now low as I have been out of work for longer than i thought.

My creditors are now chasing payments and I have been served with default notices by all three. I have sent budget sheets to all three agencies(the debts have now been passed onto them) and have been unsuccessfully trying to negotiate lower payments with them. I want to be able to come to a long term agreement with them where they can freeze interest/charges/penalities etc until im able to work again. I keep receiing the same answer - that i need to go through CAB to negotiate with them.

Its frustrating as im living abroad and unable to return to sort this - i want to be able to come to a proper solution ASAP as it is becoming a constant cause of stress!