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Wooks001

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Everything posted by Wooks001

  1. Thanks for the help everyone. My version of the Hardship letter from the library has been emailed to Wescot. Have to wait and see how it goes.
  2. Had a letter this morning, BC are passing the account to Wescot to act on their behalf and ask me to contact them. BC have already acknowledged that my preferred method of contact is email, so will have to wait and see if there are phone calls etc. I've been reading the template letters re hardship etc, and searching the forum for the same. Doesn't look easy to re-claim the charges, but I'm considering sending an email to Wescot stating my current I&E and asking them to refund the charges and stop adding interest. My main problem is that I simply cannot afford to make minimu
  3. Probably not explaining things very well. Until 3 months ago I had only been 2 days late on one payment, fee refunded as explained. I don't know when this was, I'll try to find the paperwork. I've currently missed 3 payments, fees are £24 pm.
  4. Thanks for the reply. One of my dogs is ill, she is quite old (15) so maybe there is nothing they can do but I have to try. Blood tests in the morning will hopefully diagnose the problem, I've borrowed the money from family so I need to pay them back first. A while ago I appealed against a charge (2 days late) and customer service was appalling to say the least, it took months to get a reply but they did eventually refund the charge and paid compensation for their appalling service. I don't know if they would refund the charges again, but it is not going to be simple or quick.
  5. Thank you for the reply. I haven't contacted them since I was unable to make the payment. If I can potentially re-claim the charges then they must be unfair in the first place. My credit limit is £650, so to me that is the most I can owe the bank, it is their charges that took me over the limit. I can't do this myself as the transaction would be refused, so why can they do this. They are currently adding over £40 pm in charges and interest on those charges.
  6. Hi Guys, Missed a payment 3 months ago so they charged interest and the missed payment fee. Adding the fee took me over my credit limit so they added another fee for being over limit. There is no way I'm going to be able to make a full payment for ages, and a letter today says:- "You'll continue to be charged fees each time you miss a payment or go over your credit limit." Is there any kind of legal ruling regarding fees charged, because if they are going to keep adding them I don't see any point in even trying to make a payment. Thanks Andy
  7. If you haven't received payment then contact the FOS asap. HSBC did this to me, but when I contacted the FOS they paid the same day.
  8. Sorry but I don't believe supplying an I&E will be an end to the letters, I'm getting letters/emails from different departments and the chances of them knowing what each others are doing in slim.I've had emails stating that they will suspend recovery action until xxx, but still had emails demanding payment from another department. When I queried this I was told no emails had been sent. Unless I start to pay immediately which I can't, they say the recovery action will continue.
  9. Wish you all the best for tomorrow Wendy, as will all the people on the forum. Takes a lot of guts to get so far, really hope your persistence pays off.
  10. Hi Folks, I changed supplier 2 months or so ago, savings will be huge in the long term - £60pm. As soon as I recieved a letter confirming the change over, I logged onto swalec to see how my account stood. I was in credit for electricity but in arrears for gas. Overall the debt stands at £200 ish., don't dispute this. I contacted swalec immediately asking if I could repay the debt over a long time as I was broke, and needed to sort out my overdraft etc before I could make payments. Told them they could transfer the electricity credit to the gas account. Initial response was
  11. Could well be statute barred, but you need to check your credit record/loan dates etc. If it is then send the statute barred letter if they hassle you again.
  12. Your credit score isn't going to be good for a while, if you have bad debts for whatever reason. Doesn't worry me as I won't be borrowing money for a long time if ever, so I don't need a good score. Unless one of the experts advises you to do so I wouldn't contact any DCA ever. They will send letters for years, selling the debt on when they can't collect. Most letters say we may....... which means it's unlikely they will.
  13. I know it's not much of a saving but I emailed everything to the FOS, and they replied by email with a copy in writing. Also the creditor is going to tell the FOS as little as possible, so you might have to explain your side of things in a slightly different way.
  14. Don't give up yet with the FOS, I didn't and got them to change their mind. The general view of the FOS is that before they take action, you must be in a worse position than if the creditor had behaved themselves. Post up your letter when it arrives and let the guys have a chance to read it before you rush into anything.
  15. Doesn't that fact worry you, they want to talk but without any proof. Stick to written letters, and don't trust them an inch.
  16. Just a thought folks, am I correct in thinking that court fees can be waived for people on low-income/benefits.
  17. Wendy, It's all readable, just not a pdf file. Anyone with Wordpad can read it and that's all that matters I think. A pdf file would be smaller, quicker to download etc. You could just print to a pdf file from Wordpad if you wanted. Wooks
  18. Take your time and if you have a problem I will try to help. I'm following this topic like many others so will get back to you asap.
  19. Wendy, Why don't you put all your scans in a Wordpad document in date order, oldest first. If you can read all your scans in Wordpad print the file to PDF format. If you can't read a scan then you need to do it again. Will save an awful lot of problems uploading information. Wooks
  20. Maybe she has realised you can't be bullied/threatened anymore, and her conduct hasn't been as good as it should have been.
  21. Better safe than sorry. You want a definite end to this now so it's worth being sure that the paperwork is legally binding. Can you pay/process the paperwork via the court. Don't think they would mess that up.
  22. Bit unusual to sign with a company name isn't it?. If they don't honor the deal surely you need to be able to say so and so said this.
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