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newday [was ge] debenhams store card


scousebird
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Wrote to advise of financial difficulties.

Have been paying min payment for last 3 yr due to other debts.

They actually didnt renew my card when due 2yrs ago so they obviously not happy to extend credit.

 

Have now defaulted (3mths) and advised will only pay £1pm.

Also asked them to look at fact that interest etc over 3yrs is majority of debt.

In light of this would they look to reduce debt accordingly.

 

they have replied saying may consider my offer but need i&e.

Gesture of gw have refunded x3 late payment fee and x1 returned payment fee.

charges and interest are in line with my credit agreement they state.

no PPI.

 

they have asked me to provide i&e plus bank statements and payslips plus proof of other debts.....

They know i have debts as they didnt renew my card due to credit history being shot!

How much info are they entitled too?

 

Any thoughts?

Worth haggling over trying to get balance reduced due to their extortionate rates?

Debt about £400.

I didnt ask for cca as didnt think apply to store cards.

 

Thx in advance.

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you can cca them

whens it from?

newday [ex sav credit] now aqua etcetc

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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hi dx100uk

the card was started in 2005.

definitely no ppi as i was self employed at the time so knew it would not pay out.

 

whilst i acknowledge its justifiable for them to want an i&e - i think asking for pay slips and proof of debts is too much?

 

thx.

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none of their business IMHO

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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