yes good its defaulted

cca request

sb date is 6yrs from your last payment/use

Thank you for all your help so far xx

So Barclays have accepted my offer of payment and sent me a default notice. Again from what you have said it seems another good outcome.....

It amazes me how Sainsburys and Barclays were sent the letters same time as others and have accepted bad issued defaults notices, yet Creation are sending letters like I have never been in touch after phoning and leaving messages saying my account was on hold (which I have not phoned back)..... Tesco and Progressive I have not heard a thing from via telephone (missed/ignored calls) or letter?

barclaycard have issued default and accepted payment proposal. So far sainsburys, Barclays And barclaycard have also all frozen interest and charges so I think this is good and I have been quite surprised by them being so helpful!

good work!!

dx

Hi me again - Progressive have finally been I touch and are wanting to see 2 months worth of bank statements

- now CAB have told me I do not have to provide them as they have income and expenditure form which all creditors have and everyone that I have heard back from so far have no heard for bank statements this is the first company.

Do I have to send them?

There is nothing to hide its a joint account with my partner who is still in work (self employed)

he says that he is not happy for them to see the bank statements as we have averaged out his income and spring/summer are dire but autumn/winter is good so on the last 2 months it looks like he earns more than he does!

When I took the loan out I provided my income details/bank statements but now I have no income........

I have sent an initial e mail back saying not prepared to send but need your advice as you guys on here seem to have experience in this situation.

Look forward to hearing from you.

is this progressive finance [welcome finance?] and you say its joint, it's not a secured loan is it?

no you never send pers stuff.

dx

No it is Progressive Money - unsecured loan just in my name. Sorry if I confused you its the bank account that is joint not the loan.

There is nothing to hide on the bank statements but CAB have to be fair said some companies are known to use it against you to try and increase your payments and add pressure.

yes they do pressure you

so no dice on sending statements

your I&E is good enough

simple.. if they don't play ball then letter two time and drop them to £1PCM for life as they've failed to help you as they must

It’s my partners limited disposable income that I will be using that he has kindly given to me each month. So in essence without that I would be only offering £1 a month!

What are the rules re them having to help me?

So creation keep writing saying we understand you are experiencing financial difficulty please send wage slips and bank statements I keep replying saying you have my income and expenditure that is all I am sending..... it’s like a game of ping pong...... what do I need to do as I’m. It making a payment of anything at the moment to them?

you shouldn't be sending them anything !!

just pay what you said when you said

but if they fail to help you by not freezing interest and charges

then send letter 2 and drop them to £1PCM for life

you should neve enter anylink of pointless letter tennis with any of them.

accept my offer

or

get £1PCM till I die.

simple

Today Creation caught me out and I answered the phone to them

I have been doing everything by letter,

when I told them I would not be sending bank statements they got nasty,

they said they can accept my payment offer but need bank stats on file I said nope!

I will pay the new amount I have offered every month from this month but not sending anything else!

They actually threatened me if I don’t send bank statements they will charge me late payments and interest!

What do I do now?

should have stated writing only and put the phone down . about time you blocked them too and all the others!!

they are duty bound to help you

if they don't then as post 38