Hi all,

Hopefully someone can give a bit advice,

unfortunately due to a mistake on my part i have ended up in arrears with a finance agreement through Thinksmart for a computer obtained at PCWorld.

Shoosmiths who suggest that they are solicitors acting on behalf of Thinksmart although i believe they are connected have been in touch and i have communicated back via email.

The debt is not huge at all but at this time of the year it can be difficult to pay back in on go.

I will post the email conversation below in the hope that someone could advise how best to respond to their final email:

Me to Shoosmiths:

Dear Shoosmiths,

With reference to the agreement number: ****** and your Ref:*********

I received a letter from you stating that i am in breach of agreement and in arrears by £162.45.

On checking with my bank i can see that the direct debit has indeed not been paid,

i will be contacting the bank in the interim to ascertain why this has happened.

I appreciate that i should have looked at correspondence from Rentsmart and that has been an error on my part thinking that it was marketing material.

In order to move forward with this and with consideration that the agreement is due to end soon anyway I can offer the following as a payment plan:

Friday 22nd December £60

Friday 26th January 2018 £100

Tuesday 27th February £100

This should ensure that any arrears and any due payments are finally covered.

Please can i request any communication be via this email address.

I look forward to your reply.

Shoosmiths reply (prior to this was request to confirm address):

Dear ........,

Thank you for your prompt response.

I must inform you that you have a further instalment falling due on 15 December 2017 in the sum of £34.15.

This will increase your arrears to £196.60.

My client have instructed me to terminate your account on 19 December 2017 if your arrears have not been cleared in full.

I can see your proposal below shows your first payment proposed to be paid on 22 December,

my client would be looking for a token payment before then to show a goodwill gesture if they were to agree not to terminate your account.

I would also need a reason as to why you are not in a position to clear your arrears in full before 19 December 2017

so that I can validate the hold on termination.

I look forward to receiving your response.

I have formally agreed to hold your termination,

I must inform you that your account is at risk of being terminated on 19 December 2017.

Kind regards

I'm not really in a position to make an additional payment now and my original offer was looking to include any upcoming payments,

i also believe the agreement is due to end soon anyway which i need to check on, any thoughts welcome.

they are acting as a dca, not as a solicitors so in short they have no say in any matter.

However, that wont stop rentsmart from leaving late payment markers on your account and thus credit reference files.

What didnt the DD go through?

insufficient funds?

If it was the banks doing rather than no money available you can go after them to make good.

If dd cancelled you cant restart it so you will have to make payments by transfer to the same account.

What to do?

make sure you pay the £34.15 on time so they cant default but only show an arrears.

The pay off the arrears within the loan period and you will then be well out of it

who are stated as shoo's client

somethings not right here

are you in Scotland par chance?

are this appears to be a business debt?