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Dahlia

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About Dahlia

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  1. I have been paying RBS an agreed amount every month to clear an unsecured loan for the last 2 years, which is reviewed every 6 months. However I have just had a letter now saying that they will not accept the same amount as my 'offer of repayment is unaccepatbale due to your housekeeping and travel expenditure being deemed excessive'. Not sure how it is now excessive when it wasn't 6 months ago! Any advice?
  2. An update. I sent a letter advising them that my cinrcumstances haven't changed and that I will continue to pay the agreed £290, and asking that we correspond only by post. They have replied in writing ( that's a start) enclosing a income and expenditure form saying I have to complete it in order for them to consider my offer. The form seem pretty intrusive - eg asking for name and adress of employer- any advice?
  3. An update. I sent a letter advising them that my cinrcumstances haven't changed and that I will continue to pay the agreed £290, and asking that we correspond only by post. They have replied in writing ( that's a start) enclosing a income and expenditure form saying I have to complete it in order for them to consider my offer. The form seem pretty intrusive - eg asking for name and adress of employer- any advice?
  4. As an update to this I have been clearing paperwork and found a letter sent by MBNA last Oct saying that they could not comply with my request under section 78 of the Conusmre Crecit Act 1974 but that my debt continues to exist and I continue to have an obligation to pay and they are entitled to contact me to request payment. they then quoate McGuffick v RBS and Carey vs HSBC I have been paying monthly amounts but just wondered what it all means and what would happen if I cancelled by standing order?
  5. Thanks all you have helped so much and I feel much more in control of the situation now!Message received loud and clear about staying off the phone- communicaiton will be by writing only from now on.I have been looking at the lending code and have a couple of items I can quote to them for example they shouldn't be expecting a rise in payments if there has been no change in my income.
  6. Yes it was a consolidation loan Muffintop I can't seem to access your thread.
  7. No previous charges, and no it isn't in writing about the £400. I was told this bit of info when I phoned them to have my 6 monthly review that at the next review ( Sept time) they will not accept less then £400 and will start legal action
  8. Hi Sorry but what guidelines are they breaking- is there something I can quoate at them? D
  9. Hi It is a bank loan with RBS, which I negotiated with them about when I first got into trouble paying ( hubby self employed etc). There are no charges being added to the account. At that time I used advice from here and made offer based on calculations of disposabe income, which RBS accepted and everything went well. My account was then transferred to Triton which when they have started to demand ever increasing payments. My income/outcome hasn't changed but they are saying that they have this amount of £400 a month that is 'expected' from home owners. I curren
  10. Hello I have been reading through the threads about Triton and would appreciate some advice on my situation. I have a debt orginally with RBS which was transferred to Triton credit services in Oct last year. I have never defaulted on the agreed reduced payments that I have arrived at with RBS or Triton but have to renew the agreement every 6 months. I have now been told that if I do not pay them £400 a month ( which I cannot afford), which is what is expected as I am a home owner then they will take me to court and put a charge on my house. I have never refused to pay
  11. Hello I sent the first letter requesting CCA on 16th April and have had no reply. Yesterday I received a letter titled 'POTENTIAL COMMENCEMENT OF LEGAL PROCEEDINGS' ,threatening that I need to contact them on their 0800 number within 7 days or else. No mention of my CCA request. Any advise much appreciated. D
  12. Thanks Chris- will get started
  13. Hello I am a newbie poster so please forgive my ignorance but can anyone point me to a dummies guide to the CCA stuff as I have been looking through the threads but getting pretty confused now. Where do I start, what should I look for that would make a CCA unenforcable- sorry I know this is very basic but I can't seem to find the an explanation about unenforcable CCAs I am trying to negotiate a reduced payment plan re an Alliance and Leceister credit card but am finding them to be really unhelpful and in fact pretty rude. I have already sent a complaint via the Financial Om
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