expentiture forms with frederickson

[ITSMYMONEYLEAVEITALONE!]

hi there newbie here first a brief history an ex sent me packing with 10k of debt. we have managed to pay nearlly 6k off now have delt with westcott, thames, robinson way moorcroft and metropolitan. we never defaulted on payment and have aways managed to negotiate terms final payment settlements etc until november last year when we tried to pay metropolitan our monthly instalment they told us that the debt had been passed onto carval/tessera/pheonix (we werent sure who) then out of the blue frederickson rang us making demands we have maintained contact in letters and have written to complain of harrassment and asked to only be contacted in writing but they never listen:mad: !! i have sent a letter today that i found on the forum about cca and posted it special today. i have also contacted the credit services association today and will get a complaint pack in the post they seemed very keen on hearing my dealings with Fred. i hope i have done ok up to now C.A.B cant help as we have a credit card that we are paying and but CAB want us toget rid and go the repayment route! cant see why really my main concern is that they have asked me to fill in an income expenditure form can anyone tell me guideline amounts we can put and get away with we are a four person household. they also want me to put bank details down:eek: but i think not!!

any help would be great

[ITSMYMONEYLEAVEITALONE!]

just a thought do i have to send exenditure forms while i am waiting to hear about cca or not have any contact?

[volvo]

Hold fire returning the I & E form until you see what response they make to your CCA request

 

VOLVO

[ITSMYMONEYLEAVEITALONE!]

cool thanks

have i done it all ok or did i miss anything?

[volvo]

You are doing fine with the CCA request by Special Delivery.

 

There is also a template letter where you found the cca request letter to send regarding telephone harassment if they continue.

 

VOLVO

[MrSensible]

Go to the CAB and fill in an honest income/expenditure form.

[ITSMYMONEYLEAVEITALONE!]

i tried that but we still have an amex credit card open and paying it on the monthly minimum (was higher but reduced it now) but they said they wont help unless we cancel the card and go in negotiations with amex and lose the card. i dont want to go into default on another card so they wont help its so fredrickson cant say we want amex money. i may have my head in my butt, but fail to see that fred can do it.

[ananya]

Hi ITS

 

You can do an online budget planner and print it off from the National Debtline website - National Debtline England & Wales | Personal Budget Sheet

[ITSMYMONEYLEAVEITALONE!]

thank you i downloaded it.

does anyone know how i find out what is a reasonable amount to put or if there are guidelines incase i need to tweek it here or there?

[volvo]

If you go to their website nationaldebtline.co.uk there is a debt info pack they will send you and it contains suggested amounts per person etc depending on ages of children etc and also suggested amounts for other bills, haircuts, clothes etc.

 

However, there is nothing wrong with asking the creditor to prove their entitlement to collect via CCA request first

 

VOLVO

[ananya]

A reasonable amount is a reasonable amount really, which is why it would've been better if you could have gone to the C.A.B. But as that's not possible, you just put in what you think is right, and list everything you pay out, including car expenses such as petrol and insurance, tax etc...

 

Don't leave anything out

 

Also, don't forget to keep hold of it, don't send it until you get your response to your CCA request. If/when you do get an answer from them, post any documents you get on here, with all the personal information removed, and someone 'in the know' will be able to tell you if it's an enforceable agreement or not.

[ITSMYMONEYLEAVEITALONE!]

ace. thats what i need. i have done cca as you know but just trying to stay one step ahead:D i will send for that now

its a full time job trying to sort it all out

i wish i had found out about this site 6 years ago i could of saved a lot of cash and stress:)

[ananya]

Oh same here