Help with Expenditure Form

[White Noise]

Just hover your mouse over SAR in blue & it will give an explanation.

Thanks, I've been seeing it but not properly reading it but definately will be now

[White Noise]

You're in the right place now WN and all the advice you've received so far is sopt on. You really do need to SAR the original creditor to look at a charges reclaim. If you need a letter give us a shout

Could you point me in the direction of the SAR letter please.

[cerberusalert]

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca

[Undercover-Elsa]

The good news is that RBS are not the best in the world at coming up with old agreements

Elsa x

[White Noise]

Hello again.

I've finally recieved the Credit Agreement. I apologise because my information was off before. The loan was through Capital Bank which is a Bank of Scotland company, and not through the Royal Bank of Scotland which I originally thought. Also it says it was for £4000 and not the £3000 I thought it was. Anyway, attached is a copy of what they've sent me.

[cerberusalert]

You forgot to attach it.

[White Noise]

Ooops! sorry

[cerberusalert]

They're too small, can you upload them to TinyPic - Free Image Hosting, Photo Sharing & Video Hosting & then copy & paste the URL back here?

[White Noise]

 

Think that's it. Sorry about all this!

[White Noise]

Once again I've recieved a letter from Blair Oliver and Scott asking me to call them because my repayment is up for review. I'm to have details of my income and expenditure at hand for their Collection Specialists to assist me.

 

Any thoughts on what I should do?

[babybear39]

Only a court is entitled to that information, report them to TS and the OFT and copy them in on the letter

[White Noise]

Hello and thanks for answering. What is oft and ts? Is there a link on here so as I can read up on them?

Oh and in the meantime should I just ignore these letters or write back or what?

 

Thankyou

[babybear39]

TS = Trading Standards

OFT = Office of Fair Trading

 

Consumer direct can help you make a complaint to your ow TS, their TS and the OFT:

 

Trading Standards Institute - Home page

[White Noise]

Ok thanks. I'll have a read up later and see what I can do.

[babybear39]

You can write a short letter to BO&S advising that you have contacted TS and the OFT for asking for information they're not entitled too and that your circumstances haven't changed (if that's the case) and you will not be making increased payments or you may have to decrease them if your income and expenditure dictate this!

[AA99]

Re post #34....... any comments on this agreement. Would be very interested........

[esmerobbo]

Hi

You say they are asking you to phone and have your income and expenditure ready so they can come to an agreement. Don’t ring and tell them nothing!

 

You say you are only in receipt of benefits for you and your children. There is no way you should be paying £20.20 per month from benefits.

 

When you received your award letter from the DWP it says in the first paragraph what you are entitled to and then goes on to say this is what the government thinks you need to live on. Benefits are for you and your children to be able to live and £20.20 must make a big dent in your resources.

 

Don’t send them an income and expenditure letter send them a letter stating that your only income is benefits and you are only able to offer a token payment of £1 per month as a gesture of goodwill until your finances improve. If they did issue court proceedings and unless you’re sitting on a fortune in assets I doubt they would, a £1 is all a court would award.

 

BOS do like to try and bully you don’t let them if you have not got it you cant pay it. This is the letter I sent

Since making that above agreement with you, my circumstances have changed.

We cannot now afford to agreed monthly payments because ... [your paragraph added here]

In view of our circumstances, would you please a goodwill payment of £1 per month to be reviewed in six months. If

interest or other charges are being added to the account, we would be grateful if you would freeze these so our

debt does not increase.

Should my circumstances improve we will contact you again.

Thank you for your assistance. We look forward to hearing from you as soon as possible.

Yours faithfully