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urgent help studio 24 and direct debit

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Hi there i was wondering if anyone could help me,i missed one direct debit payment to studio 24 after having paid this way for years,today they sent a letter that i am now not allowed to pay by direct debit and am to pay at the bank and the standard service charge applies,the standard service charge is twice the amount of the direct debit one as is the annual interest rate 44%,just because i missed one payment,i can`t afford this.Can they do this should i close my account and arrange a payment plan with them,any help please.

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Send them a CCA request to see if the a/c is enforceable; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

They won't allow you to close the a/c whilst it's in arrears. They have 12 working days from receipt of your request to provide you with an enforceable agreement. If they fail to do so you can legally withold payment, if the agreement turns out to be unenforceable you can stop payment permanently.

 

Print your name on the request, do not sign. Enclose a £1 postal order and send recorded delivery.


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not sure if this is the right place i had an account with studio i owed them £17.89 i always forgot to pay them on time guess what i now have a bill of £117.89 they kept addingon charges so i sent them an email (got a letter template from this site) and guess what they have reimbursed all my charges and my accout was in £26.25 credit. just want to say that tis is a fantastic site keep p the good work guys god bless

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Thanks Kate,can you tell me the name of the letter template you used,

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Thanks cerberusalert

 

i will do that,but to be honest i am only just managing to service my debts at the moment and this just push`s the whole thing over the edge, I am a carer so on benefits my credit has been shot to pieces for years and and now with this very strict inforcement it is becoming quite clear that under their rules and changing the goal posts i`m not going to be able to repair my credit history so i am seriously thinking of just going bankrupt.

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