As long as you're happy?

Keep a close eye on the acount, and if there's any funny business, adding of interest, charges, then your generous offer no longer stands and they get £1 a month, which is the legal minimum token payment.

Hi There,

Received some more letters from my creditors as follows:

Hitachi:

Have asked to see what I owe other people and how much I intend to pay them from my outstanding £208 per month.

Nationwide:

Have stopped collections on my account for the next 30 days to give me some breathing space,

however, I need to get in touch with them in the next 30 days to let them know how ill be repaying the debt,

Capital One:

Say before they can agree a payment plan with me they need to discuss it with me and have found talking to customers directly is the best approach.

Would be nice for you guy to let me know the best way to approach each one,

is it just send them letters with offers or ignore or what?

Thank you so much for your help, without this forum id have no hope.

Regards

Steve

yep no talking

just send the offer letter

or the one that tells them they'll get £xx for xxmts

as long as they freeze interest and penalty charges.

Hi There,

Just opened my mail and got a default notice from Barclaycard for late payment and the same from Secure trust bank, no mention of my letter I have sent them. Shall I wait for them to acknowledge my letter or send them another one, if another one what shall I out in it?

Regards

Steve

doubt if you've got a DN for late payments

but a NOSIA notice of sums in arrears

no need to reply.

Hi There,

All going well thanks for the excellent advice.

Im having a slight problem with V12 retail finance,

I owe them £420 for a TV and was paying £50 a month and have offered them £15 which they have rejected.

They want to see my bank accounts that I am reluctant to show them as in comparison to what I owe others their amount is peanuts.

Shall I send them a cheque for £15 each month and be done with it?

Thanks in advance

yep or do it via bacs..