Here is a copy of my letter.
In case it can't be viewed
I am writing with reference to my account that I have with First Plus and its current status there are a number of issues that I wish to address.
Firstly, after a period of severe depression for which I am currently receiving medication for, I find that I have now been diagnosed with another illness, type 2 diabetes The ramifications of this is that I am tired and feeling very poorly all the time and until it is controlled I am unable to do overtime, hopefully this is a temporary situation.
The consequences of this for my loan with you are as follows;
I was paying in the region of £55 per month off the arrears that I have with you. Because I am not receiving overtime at the moment I will have to reduce this amount to £35.00 per month off the arrears.
My budget shows that I am still able to make my normal monthly contractual payment of £195 per month and £35 off the arrears which totals £230 per month. I appreciate that this not ideal for us both however my hands are tied.
Looking at my calculation on the sums above I will have paid off my arrears in May 2018 which is before the loan has fully been paid up. I can assure you that will pay this amount each month and tell you when my when my circumstances change when they do change I will prioritise clearing these arrears as quickly as I can. I enclose a copy of my household budget to confirm my situation.
Secondly, I have had a look at my credit file and despite the fact that I have paid you £215 per month for a long period of time you have put default after each payment date. As I am sure you can imagine this has had a damaging effect on my credit file. I would be grateful if the payments that I am making are recorded on my credit file.
I am aware that my illness, my financial status, and my lack of understanding is not your problem and that you are only there to service my account but I would be grateful if you could accept this explanation of my current situation and process these details as soon as possible.