HI

I guess you haveheard it all before and for that i am sorry.

I borrowed last Sept/October from CFO £200,

this increased to £500 over a few months whilst paying it off.

things got bad and i am with Step Change who have been sending payments to CFO.

However, i keep getting letters, phonecalls, emails and texts which are threatening etc

.I keep telling them that step change are paying them,,

ive been giving them an extra £15 a month on top of step change payments via standing order

but they keep insisting that step change havent sent the correct documents.

I know they have because i have asked them twice now,

and im sure Stepchange know what they are doing.

i was shocked the other day when i got a letter stating i owe £1703.

It is a notice of i ntention to file a default

Alleged breach: Failed to make my contractual repayment of £1703.89,

and to tremedy i must pay £1467.89 by 13th Feb. Yeah right!!!

They breakdown the costs as:

Loan capital outstanding £1461.89 and

interest at £21.55I

have never borrowed this much,

they are just plucking figures ouot of thin air

and making it up.

IS this all charges?

Surely they cant add this much in charges

What do i say to them in a letter

There has been lots of emails back and forth,

me saying stop harassing me, please only email,

these charges are unlwaful etc etc

but they dont listen

PLease help, getting ill with worry

refer them to step change that is what they are there for.

and stop that additional payment too.

they can do NOWT to you.

stay off the phone etc etc.

dx

How much did you take out? How long has it been in 'default'. Sadly this is normal business for them. They dont exactly follow the law.

Thanks, been in default 2 months. Took out £500 after resolve before Xmas.I will call step change, and stop the extra paymentsIf it goes to court then sutrely the judge would say the charges are not reasonable

The charges and interest are unlawful. Youll probably get an offer for something called cfo resolve. Don't fall for it. Theyll wipe out your bank account.