We recently contacted CCCS regarding some debts that were getting on top of us. They have advised us to contact the two credit card companies concerned and offer them a token payment of £1 per month and to stop adding interest onto our accounts until we are in a better financial position (I was made redundant at the end of my maternity leave so we have only one income coming in right now). Well, today I have received a letter from one of the companies advising us that they cannot accept this offer and will be referring the matter to their legal team. I am worried sick. CCCS advised us the banks are often reluctant to accept these offers but to be reassured that they will, after some haggling agree, and will not take us to court for credit card debts. We are meeting our mortgage payments and utilities, so it is just two credit cards that are causing us problems. Please could anyone reassure me - I am feeling a bit overwhelmed by this right now and would be grateful if anyone who has had experience of CCCS could advise. Thanks in advance.