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chrisjayde82

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  1. Right, I only got back two of the five agreements ? Anyway, this last few weeks I have been speaking to payplan and they have been very helpful . They are now putting it to my creditors that I can afford to pay £165 per month, They told me to stop making payment and pay each one £5 or £10 as a token payment, However, this last week or so I have been recieving letters from the creditors asking me to pay the min payments _ but they are now double on each one. I am expecting a call from payplan tomorrow so they can run through the do's and don'ts with the creditors. any advice from here? thanks
  2. That was the third page, the other two was just terms.... that page I think should of been signed but wasn't
  3. Hope you can see the above ok, as I said - it was only printed, which I have cut out where do I stand with this one?
  4. Got the first cca letter back today, from paypal . The agreement seems ok ,(not that I am expert) But it is not signed by me? Just my name is printed? any advice peeps? Chris
  5. Right, I have sent them all a cca request - unsigned, recored with a pound postal order . will keep you updated how I get on thanks chris
  6. Is it better to send cca requests on there own first? thanks
  7. Hi Andy, Yes the income&expenditure is also included in the letter, I did contact sterling green but after seeing some comments on here about I wasn't to sure
  8. I am looking for some advice please. I have massive credit card and loans bills, 56k in total These have build up since I was 17 , and I now 28. I have always juggled the cards about, balance transfers etc and have had a good engineering job - where I have always, since I left school had plently of overtime and have been able to pay them. Most months I have always paid over the min payment until recently when overtime has stopped and my wages have halfed . I have been reading through the forums past few nights and really need to try and sort something out now as even min payments are getting very hard. This is what I have egg - £14k - min payment £353 mint -£3700k - min payment £24 mbna £9400k - min payment £161 paypal £3000- min payment£92 virgin £7900-min payment £287 ge money loan £18k set payment £287 What I have done tonight, is used some templates I found on here..... one starting " iam hoping you can help me. Regrettably I am unable to maintain my current monthly payments due to unforeseeable personal circumstances Please can you freeze interest on my account and accept a token payment each month. I do want to pay back my debt however require some assistance in doing so. Please find enclosed a breakdown of my financial situation including my income expenditure and debts outstanding to current creditors. Also included is a pro-rata split of my available income amongst all my creditors. The following is the amount I can afford to pay each month. Pro rata monthly payment £50 I would be very grateful if you would confirm your willingness to freeze interest and charges on the account. Also please confirm your acceptance of the repayment proposal along with details of the company I should make payments to, if this is different to the original lender. If my financial circumstances improve, then I will of course inform you and increase my repayments accordingly. I look forward to hearing from you." I have also requested cca in the same letter. Is this the right thing to do? I have asked for a token payment for each for £50. what will happen? Thanks Chris
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