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Is This Letter OK To Send?

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Hello Everyone,

 

Please can I ask for some advice...

 

I have a CC with a very high balance. I have CCA'd them, they responded in accordance with procedure and the agreement has been checked and is enforceable.

 

They have had I&E sheets and a wage slip. I have been making my reduced payment on time. I have spoken with them (I know I shouldn't) on the phone 4 weeks ago and they said they would get back to me with regard supending interest and charges and accepting my reduced payment.

 

What worries me is that I haven't heard anything back from them and wonder if they are just holding on to my account for as long as possible to rack up what I owe them. (interest alone is several hundred pounds)

 

As my balance is very high compared to my income and token payment I was thinking is the reason why I havent heard anything beacuse it is being sold on to a DCA?

 

Anyway I thought about sending this letter would it be wise?

 

 

Dear Credit Card Company

 

Following my last written communication to yourselves dated 29th June 2009 and sent to you recorded delivery complying with your request for up to date income & expenditure information including a wage slip to be sent, it is disappointing and concerning that I have had no communication back from you.

 

Furthermore in response to your letter dated 23rd June 2009 in which you state

‘we are not looking to make unreasonable demands of you. We seek from you an arrangement that you can afford and maintain’

 

I have again complied with this and discussed my situation with one of your advisors via the telephone on the 10th July 2009. I still haven't heard back from you.

 

 

It concerns me that you are allowing my account to profit yourselves by adding interest and charges and making my situation even more dire.

 

This certainly isn’t the action I would have expected following your statement in your aforementioned letter.

 

I look forward to hearing from you promptly.

 

Yours faithfully

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Hello Everyone,

 

Please can I ask for some advice...

 

I have a CC with a very high balance. I have CCA'd them, they responded in accordance with procedure and the agreement has been checked and is enforceable.

 

They have had I&E sheets and a wage slip. I have been making my reduced payment on time. I have spoken with them (I know I shouldn't) on the phone 4 weeks ago and they said they would get back to me with regard supending interest and charges and accepting my reduced payment.

 

What worries me is that I haven't heard anything back from them and wonder if they are just holding on to my account for as long as possible to rack up what I owe them. (interest alone is several hundred pounds)

 

As my balance is very high compared to my income and token payment I was thinking is the reason why I havent heard anything beacuse it is being sold on to a DCA?

 

Anyway I thought about sending this letter would it be wise?

 

 

Dear Credit Card Company

 

Following my last written communication to yourselves dated 29th June 2009 and sent to you recorded delivery complying with your request for up to date income & expenditure information including a wage slip to be sent, it is disappointing and concerning that I have had no communication back from you.

 

Furthermore in response to your letter dated 23rd June 2009 in which you state

‘we are not looking to make unreasonable demands of you. We seek from you an arrangement that you can afford and maintain’

 

I have again complied with this and discussed my situation with one of your advisors via the telephone on the 10th July 2009. I still haven't heard back from you.

 

 

It concerns me that you are allowing my account to profit yourselves by adding interest and charges and making my situation even more dire.

 

This certainly isn’t the action I would have expected following your statement in your aforementioned letter.

 

I look forward to hearing from you promptly.

 

Yours faithfully

 

I would threaten them with reporting them to FOS also... as part of banking code they sign up to investigate and help people in financial difficulty, FOS will make them reply with a response to your request for reduced repayments, it may not be in the positive but they will ensure you get a response at least.

 

S.


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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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can i ask who checked the CCA? would it be possible to put it on photobucket, minus personal details so the experts here can have a look at it and get a second opinion. Who is the CC with?

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Can you post up the agreement?

 

Even if it is enforceable I would let it go to court rather than make any arrangement with a DCA.

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Hi

 

Thanks for your replies. It was checked on here. It is John Lewis credit card.

 

 

Vicky

xxxx

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Hi

 

Thanks for your replies. It was checked on here. It is John Lewis credit card.

 

 

Vicky

xxxx

 

 

I think you should remove your name lovey, when I first came on here I put my name on it, and someone told me that you get fishers on here also from DCAs and Original creditors.

Just a tip hun.


Righteousness & Justice Will

One Day Rule

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From past experience, they should have suspended and ceased all interest and charges when the arrangement was made.

As you have come into an arrangement with them, they automatically default you.

But I am also sure that I have read somewhere that you can get your default removed in they defaulted you due to their charges and interest, maybe someone will come along soon to elaberate, I may have got it wrong, but I am sure that I read that somewhere.

Also, I wouldn't bother trying to be so polite with them.

Be firm with them, you've done nothing wrong, though they like to try and make you feel as though you have. You haven't brokem any laws, and you have more rights then you probably think and the governments would like you to know.

 

Hope this helps, even just a little.

 

Red

xxxxx


Righteousness & Justice Will

One Day Rule

:p:p:p:p

[sIGPIC][/sIGPIC]

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