Just a quick question

I have tried to send a letter to virgin credit card twice

both times they have been signed for

I have not received a reply .

where should i send it since this is to do with pro rata offers

Where have you been sending it?

Have you sent it to their HO?

I sent the first to thynne street Bolton

when I did not get a reply I sent the second with a copy of the first letter to jubilee house Gosforth Newcastle upon tyne which is apparently the head office

any ideas

since I already have agreed deals with my other creditors but I have not received anything back

Did you give them a time scale by which to respond/agree to your offer?

Are these the only ones who haven't agreed to your offer?

If they have failed to accept your offer and others have then IMHO they have refused your offer by ignoring you so accept the legal minimum payment of £1 a month.

It really does depend on what the account is and what else is in your DMP?

well I got a I & E done by the citizens advice as the amount I would have to pay towards rent etc would increase quite considerably due to a change in circumstances

I wrote to all my creditors first offering a F & F settlement

then I offered a pro rata payment plan which all the creditors have accepted except this one

since i have not heard back from them ,

the problem being is they are my second biggest creditor so I need them to be on side.

Matters not one jot.

If 75% of your creditors have accepted your offer then the remaining 25% have to accept by default, AFAIK.

You HAVE ensured that they are all ''legally entitled'' to your money?

CCA done?

Reclaimed all penalties/fees/charges PPI etc?

write to MBNA not virgin

whats the address for mbna then

Credit Card(s) issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England and Wales under company number 02783251.

I had a major change of circumstance at the end of june

I was unable to afford to service all my debts ,

I went to the citizens advice bureau and between us set out my I & E form and subsequently saw how much money I could put towards my unsecured debts and offered them two options a f & F settlement or a pro rata payment however there was a very good change I would be made redundant due to my ill health.

Fast ward to now

I am now on SSP and a payment from the company pension fund atm

I am also in receipt of a small payment of housing benefit .

As soon as the wages went to that level

I again contacted all my creditors and

they agreed to accept a nominal amount of £1 a week except virgin ,

they all have frozen all interest and charges.

We come to virgin Despite numerous letters to them I have only receieved statements letters of default .

default sums oweing .

I got a letter from them saying my complaint it taken longer to investige then normal .

don't no why I sent all the paperwork to them ,

I need this to be sorted since its pointless paying anything towards it because they are just pilling on interest and charges .

Also they don't seem to have even read any of my letters sent to them ,

I got a text saying please call us to discuss your account

dispite saying I would only except written communication.

As for a return to work my last specialist have written to the GP saying until I have seen this other specialist I cannot return to work .

On a foot not i don't know wether I will have a job when I am fit to return to work.

Idea please sorry for the length

If they are still adding interest and charges, you DROP them down to £1 a month for the life of the debt.

Have you got all the statements of this account?

Have you ever reclaimed all of their fees and charges?

As you have requested their help, and they have foolishly ignored you, then all of the fees/charges and interest they have added, can be reclaimed under the hardship rules.

TBH, I would fire off one letter clearly stating, that as they have failed to assist you during your time of financial hardship, you will only pay them £1 a month for the life of the debt, should they wish to read your letters and then assist you, they can write you with their offer of help.

When did you take this agreement out?

unfortunately I only took it out about 15 months ago

stuff 'em

under the rules and guidelines that govern them they must help you

they are not

so fire off the £1PCM till you die letter

from the debt collection section of our library