Dear Sir or Madam

Back in 2009 I lost my full time job of 9 years,

I had no work at all for a minimum of 5 years

during that time I got letters from what was known as the CCCS back then now I believe Step Change and help from you too,

I sent a letter to all my creditors back then and offered £1 per month which has been paid by a regular standing order ever since without default,

a few credit cards,

mobile phone contract got cancelled which Lowell had and the three contract through your help and letters from this site,

the last lot of cowboys the welcome finance got to collect my debt,

was not happy with £1 per month,

I told them they accept what they are being paid or go without,

since then with todays letter

I have received 2 letters from Welcome Finance wanting me to ring them and pay more money,

I cannot afford more money and they are not the only creditors I have,

I will not be ringing them and since 2015 when I did some I.T. Courses I have each payment made on an Access Database,

I need some sort of letter Template or advice on what to do,

there is only temporary work out there nowadays through agencies,

if work drops down you get laid off so can't make any long term changes for short term work,

I do not want to be harassed from these people I cannot afford to pay more end of story

Thanks

KeithCP2

ever sent them a CCa to check the enforceability of their debt [many welcome agreements weer faulty]

or

they were 99% penalty charges and various reclaimable insurances.

they probably owe you I bet

dx

Thanks for the reply

No I don't know what a CCa is and the loan was taken out originally in May 2006 when I was working and it was for 36 Months, I lost the job in 2009, and they have been paid by regular Monthly Standing order of £1 per Month since 2009, Bluestone Credit are the people collecting for them at the moment

Thanks again

KeithCP2

bluestone?

they don't collect for people

they buy written off debts and fleece people normally

never heard of the solely acting as a gopher...

somethings not right here if welcome are writing and you are paying bluestone...