Income & Expenditure · Checkmate The Matrix

Income & Expenditure

Hi All, I have a credit card with Capital on Tap, which was a business credit card, but I shut down the cLtd company in November 2024, but apparently I agreed to take personal liability for the debt when I signed up apparently, anyway to assist me deal with the card debt, I have been asking them since July this year if they could freeze interest and move the payment date to the 1st of each month as that is when invoices tend to be paid, all they want to do is phone you to discuss, I do not want to speak to them on the phone as I have no proof of what was discussed, I asked that the matter is dealt with via email, they just ignore my request, I took the matter up with the FCA, waste of time that was they sided with capital on tap, anyway their latest method of contact is via message, now I thought at least this is in writing, so when i first made contact via this message and the usual what is your full name, address and DOB for security apparently 🙄 their first message was "I see the account is in arrears, can you make a payment today, this pissed me off, I thought here I am reaching out for assistance and straight away all they care about is me giving them money, I let them know my thoughts, without been rude or abusive, any way, when i asked about freezing the interest and moving the date, they came back with to look into this we need to to complete an income and expenditure form, now I read somewhere that it is not advisable to do this as you are falling into their trap, so I am not sure whether to do it or not, I need them to freeze the interest to allow me to get on top of things, but I don't want to disadvantage myself, what do you guys advise I should do

Thanks in advance for any advice

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