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How to Stop charges


nasjam
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My wife could not keep up with new look store card repayments due to hardship we are facing which involves few other creditors. All this happened when i was told by my firm to become part time or face the redundancy, so i choose part time just to keep my job. My wife is unemployed and look after our 2 little kids. My wife wrotea letter to New Look offering them £2 PM and also stop any extra charges. anyway the problem is New Look has pass the account to Ikano who has phoned my wife few times forcing her to cough up the amount. My wife has offered them £2 PM but they refused and instead they have wrote 5 letters from mid Jan 09 up to now and in each letter asking to pay. I thought better write them another letter to inform our circumstances once again and yesterday when i looked at the letters they have sent i noticed each letter has higher amount than the previous letter. All i want to know what can i do / what sort of letter to write to get these charges stop by Ikano. Is there any strong ground we have to to stop charges? I would appreciate for the advice and help from any of you. Thanks.

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Hi, welcome to Cag.

 

Firstly NEVER talk to these people on the phone, keep everything in writing so you have a full paper trail.

 

Second, why do you think they keep writing, YES, it's because THAT'S all can do. These people have no more legal rights over you than your postman.

 

Third, The charges are complete rubbish, they can profess to charge what they want, but it's all bluff. MOST charges are unfair and can be reclaimed.

 

Fourth, send them this letter

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter.html

 

They have 14days to reply, enclose a £1 postal prder, DO NOT SIGN this letter.

 

Hope this helps

 

Jogs

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Hi, welcome to Cag.

 

Firstly NEVER talk to these people on the phone, keep everything in writing so you have a full paper trail.

 

Second, why do you think they keep writing, YES, it's because THAT'S all can do. These people have no more legal rights over you than your postman.

 

Third, The charges are complete rubbish, they can profess to charge what they want, but it's all bluff. MOST charges are unfair and can be reclaimed.

 

Fourth, send them this letter

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter.html

 

They have 14days to reply, enclose a £1 postal prder, DO NOT SIGN this letter.

 

Hope this helps

 

Jogs

 

 

Thank you havinastella, i have printed that letter and will post it on Monday. just curious this letter does not mention anything about the charges, and if its hidden in one of the Acts would Ikano revert those charges ? Thanks again

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Forget the charges for now.

 

This letter will check if they have a valid agreement they can collect on. If they don't have that agreement, they can't collect.

 

If they do have a valid and enforceable agreement, we can look at the charges on the account and move on from there.

 

The most important thing here is NOT to worry, these monkeys will soon return up the trees. ;)

 

If you get a few minutes, just have a read at some of the threads on here, you'll be amazed at the infomation you can pick up, even I did :D

 

Have a good nights sleep, nothing really bad can happen from owing a few ££

 

 

Jogs

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Forget the charges for now.

 

This letter will check if they have a valid agreement they can collect on. If they don't have that agreement, they can't collect.

 

If they do have a valid and enforceable agreement, we can look at the charges on the account and move on from there.

 

The most important thing here is NOT to worry, these monkeys will soon return up the trees. ;)

 

If you get a few minutes, just have a read at some of the threads on here, you'll be amazed at the infomation you can pick up, even I did :D

 

Have a good nights sleep, nothing really bad can happen from owing a few ££

 

 

Jogs

 

Very well havinastella, I would have to wait for their reply and would inform you once its here. Good night and sweet dream

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I am still waiting for their reply. In the mean time I have a question to ask. If a person (defendant unemployed) receives county court order from Northampton and there is a court fee too, is there a law or a way where a defendant get exemption from paying the court fee. I would be thankful for your reply.

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I am still waiting for their reply. In the mean time I have a question to ask. If a person (defendant unemployed) receives county court order from Northampton and there is a court fee too, is there a law or a way where a defendant get exemption from paying the court fee. I would be thankful for your reply.

 

Yes there is an exemption document to fill in and send to court.. if you are the defendant though why is there a court fee? the fee should be paid by the claimant as far as I'm aware.

 

Court fee remission explanation doc is here and actual form is here

 

PmW

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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Yes there is an exemption document to fill in and send to court.. if you are the defendant though why is there a court fee? the fee should be paid by the claimant as far as I'm aware.

 

Court fee remission explanation doc is here and actual form is here

 

PmW

 

Thanks for the reply and the forms, this is true the fees is paid by the claimant and it also has increased the final charges. so to reduce the final total I needed to find out if there is exemption for the unemployed defendant which is my wife.

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