bad credit bank accounts uk

Credits help …?

I've been absent all year because I had gotten into trouble back here in the UK if it was able to pay my credit cards. but now I am back, I fix my obligations, but fear of how to do and how they supported me, for the interest and everything. Really I do not know what to do and since my return, I moved to another place and not living at the address they were sending my bills. there is no way he would be able to take my messages because I know people who live there. I thought of sending letters (which are all prepared, in fact), but I do not know what to expect. Maybe I'm afraid they will charge me more than I would be able to pay. I hope you can party a little known about this problem and gives me advice on what to do. thank you very much. PS I know I'm having a bad credit rating beacause of that, but opening a bank account affect me too?

Sometimes card companies credit are ruthless with their fees and finance charges. If you just give a call to request a "payment arrangement" and will be able to help. Simply explain the situation and inform them that the monthly payments are out of control and can not pay more (even if you can afford it, never check). Tell you do not have any of you statements and needs help, mainly to pay. I work for a collection company credit card and they are always able to help to minimize monthly payments of approximately 12mnths until they are able to catch again. During this period time, you do not get late fees, plus the cost of credit limits and the APR is reduced (which is also something you have to negotiate sometimes we can get as low as zero) to be able to be returned. Call them and see what they have to offer. I hope all is well. And they give us an update on what happened;) Thanks!