Monument Credit card - help needed

[Gyrth]

Hi,

I'm new to the site, so not sure if i've posted this in the right section.

 

I have a small amount of money on an old Monument credit card, I owe just over £500. I have been paying the minimum payments for over 2 years and had forgotten about this when i took an IVA out 3 years ago.

 

Since April 09, i have been claiming Disability work allowance, and am getting no other benefits so am having to make this payments cover everything, i'm slowly starting to sink becasue of this. I missed a £13 payment to Monument in July, since then i have been getting 2 phonecalls a day from a call centre in India, asking when i can pay the back payment. I am currently running a £150 overdraft (allowed) but also becasue of bank charges beiong taken out it is always over this amount which then means i get less money (I have just found the appropriation letter which i will be dealing with for the bank).

 

Yesterday i lost it with Munument and ashamedly shouted at the caller about being Harrased and being fed uip with keep repeating the fact twice a day that I actually have no money in the bank to make a debit card payment with. Previous to that i had asked for an I/E form to be sent to me, which arrived yestersay morning.

 

Is there anything i can do/sayut this Harrasment the next time they call? I am struggling to hold it together at the moment, especially as we are finding it difficult to put food on the table or pay bills etc, which with a 7 year old, the food for him is always going to win.

 

Thanks for any help in advance.

[coledog]

Hi and welcome.

 

Thread moved to Debt collectors forum.

 

Hopefully, more people can help now.

 

Golden rules -

DO NOT talk to anyone on the phone - tell them this if they ring again and ask them not to ring, say in writing only. If they continue to ring it is harassment. If you like refuse to answer the security questions.

 

 

DO NOT send your income and expenditure to anyone, you can work out yourself what you can afford to pay and offer this. This may be nothing at the present time.

Edited September 17, 2010 by coledog

[DonkeyB]

I have a feeling the DCA in question may be our chums from Wimbledon. Can you give us more information about any letters or other contact you have received?

 

As coledog says, you MUST stop talking to them; do NOT acknowledge the debt in any way.

 

Give us as much info on the history of this account as you can and we'll help you.

 

Hopefully we can help you calm yourself and keep the antics of these idiots in perspective.

[huggys boss]

Hi and welcome.

Send them both of these letters one is to stop the telephone harassment, the other is telling them that you intend to record incoming calls. You will probably get a letter back saying that they are allowed to ring you, but you are not allowed to record them. IGNORE it. It's your phone, you pay for it and you can do what you want with it (so long as you don't frighten the neighbours kids).

 

Send by recorded delivery and do not sign anything you send to a DCA, always print your name.

 

Don't worry about losing it with them, they like it, they are trained to wind you up.

 

Your next port of call is to CCA them, but one thing at a time.

 

Keep us updated, we are here to help.

 

HB

[Gyrth]

The debt on the card is one i forgot about when i took the IVA out, it is for just over £500, and i have been paying the minimum amount with out missing a payment. Until August this year when the £13 minimum didnt go through due to no money (i'm living on disability at moment) Since then they have phoned a minimum of twice a day starting at around 07.45am in the morning or as late as 9.30pm. It is always from an indian call centre, and taking nothing away from them I cant understand what they are on about. If i ask to speak to a manager he's always busy elsewhere. It has now got to the point where we are screening all calls through the answer phone.

I had a direct debit set up in my bank for all this time, which THEY have now cancelled, so there is now no payment going through, unless i phone this indian call centre.

I have offered them an income and expenditure form but they dont seem to understand what i'm talking about and there charges for any missed payemnt is over £30 a time.

I have also just come out fo hospital where a small operation went drastically worng and i was in intensive care for 4 days, they even phoned my mobile during this time despite my wife explaining i had died on the operating table and was in intensive care, they continued to call.

any help is really going to be a bonus here.

Thnks in advance guys.

Cheers

Gyrth

[DonkeyB]

Which DCA/debt buyer is this?

[coledog]

Hi

 

Is it still Monument who are calling you or someone else? From your original message I assumed that this was Monument?

[huggys boss]

DO NOT SEND THEM AN INCOME/EXPENDITURE!!!!!!!!!!!

 

They have no right to see it. Get them telephone letters sent off ASAP and also send a CCA request if you can't get it added into your IVA.

 

HB

[Rubberduck]

Momument are a bunch of idiots. I know someone who paided off £6k to them in one go recently to clear the account, but funnily enough there was still a few days 'interest' left to pay. so they have been hounding this customer for weeks now looking for aprrox £10. They're an absolute joke. Don't let these parasites drag you down, life's bigger than that nonsense! Whoever said money was the root of all evil, wasn't far off the mark tbh; and we're supposed to be a 'developed' country?!? (I dont even think we've started off down the road on that journey).

[Undercover-Elsa]

Hi Gyrth,

I agree with all the above. They have no right to harrass you in this way. I personally would write to them and say that you are most concerned with the manner in which you are being harrassed in regard to this account for circumstances which are clearly beyond your control.

You therefore include a formal CCA request in order to ascertain whether they have a legal right to treat you in this way.

Include the telephone harrassment letter. To save me getting RSI, further details and the letter templates you need are in my debt blog:

 

http://www.consumeractiongroup.co.uk/forum/entry.php?180-Debt-Threats-a-quick-self-help-guide

 

kind regards,

 

Elsa x

[MitioloNeek]

Whats the real deal with this....all these companies trying to play the middle man.

 

I know there is a way around it. I have more than 10k in credit card debt. Where can I go to find out more information?

[Tingy]

MN - you need to start your own thread with some more details.

 

OP follow Elsa's advice - it's exactly what you should do.

[Undercover-Elsa]

Morning Tingy

 

It has gone quiet on here...any update on this Gyrth?

 

Elsa x

[Tingy]

Morning Elsa,

 

Just looked back through thread. It went dead in November then got reincarnated, so I suspect OP has sorted something out. I wish people would post resolutions!

[Undercover-Elsa]

Mine is to drink less Brandy..

[Tingy]

:lol::lol: