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Income/Expenditure Form

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Hello Everyone :)

 

Can I ask for advice on a question please-

 

Does it matter if you send a creditor your own I&E sheet or do you have to use a CCCS/Payplan etc generated one?

 

The reason I ask is that John Lewis keep asking me for wage slips, copy of my car hire purchase agreement and number of people in my household to assess me further.

 

This is all on my I&E sheet that a kind member on this board helped me with.

 

I have sent them this twice now though :evil:

 

They have actually stopped interest which I am happy with so dont know what to do :-|

 

Thanks All

 

 

 

Vicky

xxxx

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You can send your own I & E form to them. They have no rights to see wage slips/hire purchase agreements etc. Have you seen all of their paperwork for your credit? If not then ask them to send you a copy of the customer credit agreement they hold for your account.

 

There is a letter in the templets section for this. Send it away unsigned, by recorded delivery and with a £1 postal order. They then have 12+2 working days to get the agreement back to you or else you can stop paying them a penny.


Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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Yes you can send them your own, it doesn't matter who's template it is, as long as it includes all the relevent information :)


If I have been helpful in any way, please tip my scales :lol:

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Hi Berry

 

Thanks for your reply. Yes I have CCA'd them and it was enforceable. I am surprised that they have stopped interest and charges which is good.

 

Worried that they will start charging interest again if I dont send them wageslips etc...

 

 

Vicky

xxxx

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Hi Berry

 

Thanks for your reply. Yes I have CCA'd them and it was enforceable. I am surprised that they have stopped interest and charges which is good.

 

Worried that they will start charging interest again if I dont send them wageslips etc...

 

 

Vicky

xxxx

 

And thats the rub... whilst they have no RIGHTS to this information, they will state that its required by their own internal processes.

 

If you have put down the correct amount of income on your own I&E then you could do what I did... that's scan in a recent payslip and then edit it in paintbrush or some other program to remove EVERYTHING except for my name and the amount of pay. No NI number or tax details etc.

 

S.


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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Thanks Shadow.

 

I know this sounds dumb but if I just send a wage slip they wont assume it is all disposable will they?

 

I just feel with an I&E form it shows the full picture.

 

Also should I send a copy of my car HP Agreement? I would have thought thats personal.

 

I think I'm babbling now....!

 

Vicky

xxxx

Edited by Honeypot

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Thanks Shadow.

 

I know this sounds dumb but if I just send a wage slip they wont assume it is all disposable will they?

 

I just feel with an I&E form it shows the full picture.

 

I think I'm babbling now....!

 

Vicky

xxxx

 

Don't send the wage slip, just the I&E. They have no right to anything else at this stage. For sure there is an element of trust but they need to be reasonable.

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Thanks Sequenci

 

They have had this I&E twice now !

Do you think a judge would argue that it is a reasonable request to see my wageslips?

 

Vicky

xxxx

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Thanks Shadow.

 

I know this sounds dumb but if I just send a wage slip they wont assume it is all disposable will they?

 

As I said I blanked out everything bar the income... this matched what my income was stated on my I&E and proved that I wasnt lying on how much I was paid. I put a covering letter together just stating something along the lines of "Please find enclosed my last payslip, this confirms my total income for the month as given in my I&E previously sent to yourselves"

 

I havent sent any other documentation they have requested and I'm not going to, I just wanted to show that I wasnt lying on my I&E.

 

Sequenci has vastly more experience than me so if doing it all again I'd follow the advice given :-D :-D

 

S.


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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As I said I blanked out everything bar the income... this matched what my income was stated on my I&E and proved that I wasnt lying on how much I was paid. I put a covering letter together just stating something along the lines of "Please find enclosed my last payslip, this confirms my total income for the month as given in my I&E previously sent to yourselves"

 

I havent sent any other documentation they have requested and I'm not going to, I just wanted to show that I wasnt lying on my I&E.

 

Sequenci has vastly more experience than me so if doing it all again I'd follow the advice given :-D :-D

 

S.

 

If you have the time to send a blanked out wage-slip then you're doing more than you reasonably have to. They can't argue with that!

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Thanks Shadow & Sequenci

 

Will send one ASAP.

 

What about the HP agreement for my car they want to see and the number of children in my house?

 

They cant access my kids savings can they?

 

Vicky

xxxx

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Thanks Shadow & Sequenci

 

Will send one ASAP.

 

What about the HP agreement for my car they want to see and the number of children in my house?

 

They cant access my kids savings can they?

 

Vicky

xxxx

 

My guess is they want to see the agreement to see the worth of your car as an asset and how they might be able to obtain that asset in the worst case scenario. DO NOT SEND THIS DOCUMENT

 

As to children, its prob cos they have a value assigned to every child and in their calculations they allow a set amount of disposable income and costs for meals per child. Not sure on the impact of letting them know this, wouldnt think it negative.

 

Dont forget individual debts are personal, nobody except yourself are liable for your alleged debts.

 

S.


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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