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Hi can anyone advise me,

We have a number of defaults and not sure how we would start to sort them out

1 tsb loans- DSA formerly TSB then 1st Credit FMLY loans TSB2 then Scotcall then Connaught Collections/thenthreat of bankrupcy inNov 2005, and last letter from Connaught was Mar07. this started out as 1500.00 now it is 6500.00. Whats best approach.

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This seems to be hugely inflated!! Is there a contractual provision for interest & charges after default?

 

You need to get a full breakdown of all debits and credits to the account including an itemised list of all charges and what they are for before we can go any further with this.

 

Also, as Ben & myself mentioned in your other thread sending the CCA request is a good place to start too. Here is a direct link...

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html#post162367

Don't forget to include the P/O for £1 and send by Recorded Delivery.

 

Also, here is the section from OFT guideance regarding charging for debt collection;

Charging for debt collection

2.9 Charges should not be levied unfairly.

2.10 Examples of unfair practices are as follows:

a. claiming collection costs from a debtor in the absence of express

contractual or other legal provision

b. misleading debtors into believing they are legally liable to pay

collection charges when this is not the case, for example, when there is no contractual provision

c. not giving an indication in credit agreements of the amount of any

charges payable on default

d. applying unreasonable charges, for example, charges not based on actual and necessary costs

e. applying charges which are disproportionate to the main debt.

It would be a good idea if you posted questions like this in the debt forums.

 

Good luck & best wishes, Dave.

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