Bryan Carter - Help needed PLEASE

[GASS]

Hello All

 

I have recevied yesterday a letter from BC Solicitors, stating Final Notice

 

We have been instructed to act in connectin with this outstanding debt which is seriously overdue.

 

This matter will be referred for court proceedings to be issued in 10 days if payment is not received at our office by that date.

 

Court costs and itnerest will be added to your debt if it is necessary to go to court and therefore the outstanding debt will increase.

 

You must make payment before the 20 October 2010 if you wish to avoid the matter going to cour. Payment can be accepted by debit cards and in some instances credit cards.

 

If you fail to act and we obtain judgement it may prevent you from gaining credit in the future and will remain on the Register of Judgment Debts for a period of 6 years.

 

Please call us with your payment.

 

This matter has now reached a critical stage and you may wish to obtain independent legal advise.

 

 

 

Now I know what this is for, an overdraft that was reduced by Nationwide, the orginal overdraft was £300 and they reduced it by £100, and then started to bung charges on top now amounting to £300 again.

 

Problem is I know I need to pay this, but there is just no way that I can afford the full amount and by the 20th. This debt has gone through 3 different agencies and I am lost as to who I should be contacting and dealing with.

 

Would it be prudent to send a prove it letter to BC Solicitors or what.....

 

I have a headache from trying to deal with this.

[babybear39]

Yes. Prove it letter to BC and see what happens...

[Bazooka Boo]

Have you had any correspondence from the bank at all? Have they said that they have passed this onto BC

And have you used their complaints procedure? Why have they again added the charges?

[GASS]

Nope, had nothing from the bank at all to say it had been passed on.

 

I am not sure why the charges were put on probably because they reduced the overdraft by £100.00

 

I have sent them a letter today, by recorded 1st class. so will see what I get back.

 

Thanks for replying

[GASS]

Interstingly enough I have just received a letter from Fredrickson International Limited about this. The letter is dated 1 October but I have only received it today. They are asking for full payment or they will recommend "their client" instructs solicitors to issue a claim.

 

So obviously this letter is still late in arriving at my door, as the Solicitors are already intouch with us, but NO letter from the building society to say they have done this.

 

Do I need to contact the building society too, to find out what is going on? Or shall I just sit tight and wait for the reply from BC Solicitors??

 

Any thoughts anyone

[Bazooka Boo]

I would hammer the banks complaints procedure and have them explain their actions.

[GASS]

Okay have been giving this some more thought, am now getting phone calls, showing a withheld number on hy house phone and also on my mobile (!) so am thinking that I will do what y ou have suggested Bazooka Boo and will write to the bank complaining, Obviously I will mention the fact that they have not informed me of passing this on to other agencies and the fact that they have reduced the overdraft and then added bank charges in essence pushing up the debt.

 

Is there anything else you feel I could add to beef the letter up a bit?

[Bazooka Boo]

Guests...

I don't think you need to beef it up, stick to the facts and don't try to pad it out, they get bored after a couple of paragraphs.

Your complaint should be that Nationwide has failed to act appropriately and fairly (AGAIN!!!)

Why have they passed on this alleged account/debt/overdraft without informing you first, why have they chosen to attempt to confuse you by using more than one DCA, why did they reduce the OD then continue to add charges to it to inflate back to it's original figure, why are they still in business and how do they sleep at night!

[babybear39]

Guests...

I don't think you need to beef it up, stick to the facts and don't try to pad it out, they get bored after a couple of paragraphs.

Your complaint should be that Nationwide has failed to act appropriately and fairly (AGAIN!!!)

Why have they passed on this alleged account/debt/overdraft without informing you first, why have they chosen to attempt to confuse you by using more than one DCA, why did they reduce the OD then continue to add charges to it to inflate back to it's original figure, why are they still in business and how do they sleep at night!

 

Some of these questions are optional

[GASS]

Letter being drafted now, thanks all for input. BTW letter to BC has been delivered according to royal mail - so will see what comes back that way.

[GASS]

Sorry just another quick question, just doing my letter to Nationwide. Do you think I should offer a payment schedule - but of course ask them to remove the charges pluls freezing any other interest and charges to give me a fair chance of reducing the amount?

[Bazooka Boo]

There is little point in you paying them anything if they are not going to freeze the interest and hold all charges, so yes that would be a very good Idea to offer them an amount that you can 'realistically' afford and maintain of the agreement that they stop interest and charges, and if they have added any previous charges to the balance, claim them back.

[GASS]

Letter from BC today:

 

We thank you for your communication regarding this account.

We have referred the matter to our client and will revert to you as soon as we are in receipt of instructions

In the mean time, we confirm that we have placed the account on hold.

 

So just need response from Nationwide now.....

[Bazooka Boo]

Send him some instructions....something along the lines of "Once you have been reverted too commence communication, using correct voice procedure, to your Client, communicating your inability to maintain an erection and that you are reverting to manual methods to satisfy your unfortunate wife":pound:

I know this will get CAGbotted, sorry I just can't help myself....

[GASS]

Very funny, like your thinking !

[GASS]

Flaming people - I had to contact Nationwide to advise them that I could not make the full payment and had reduced it to £5.00 sent off the cheque to BC with copy of communication to Nationwide and BC has just sent me a letter staing that they had not received any payment. So am in the process of sending them a snotty letter saying payment sent and proof of posting another copy of communication with Nationwide and also remind them I and hubby are both suffering for depression and taking prescribed medication. I am going to have to change the original amount I pay them each month any way, mainly due to rising costs of everything and no payrise, we are struggling as it is.

[Bazooka Boo]

IMO I wouldn't even entertain BC at all, pay the bank direct, then this will not happen again, he clearly cannot be trusted to process payments correctly, I would cut any such third party who claim to have an interest in this matter out of the equation, pay the bank direct, be it £5 or £1 a month it matters not, if they say they can't or won't accept any payment get them to commit that in writing, and you should also commit in writing your offer of payment to them.