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Financial situation has improved


mintygit
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Hi

 

Had a letter from Equidebt saying my 'Financial situation has improved' claiming they have seen my credit report (although they haven't asked permission to look at my credit report so would thought this is a breach of data protection?)

 

I have had a debt I have been paying off with them for as far as I can remember, going back more than 10 years, I pay them £10 a month, have done for the whole duration, have £2000 to pay off, but I can't remember if it was a ccj or just a payment plan with them to pay the debt off.

 

What I would like to know is if I should just ignore the letter or write back and tell them I will not be increasing my payments and leave it at that as I will not be!?

 

Thanks

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Jesus! £10 a month for the last TEN years!!!

 

Even checking if you have a CCJ won't be much use to you after all this time?

Neither would looking at your credit files, anything that was on their would have dropped off by now!

 

Ignore their puerile letter and see what others suggest, but I know what I would do..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hmmm, so they can tell by your credit files that your financial situation has improved can they?

 

You can either ignore it

 

 

Or write and confirm to them that your situation HASNT improved. Perhaps ask them to provide evidence that your situation has improved as you would certainly like to benefit from it. If they are unable to do this, then you will continue to make the payments you have agreed to. :lol:

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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If it WAS a CCJ then they would have to return to court and ask for more money from you.. so I wouldnt worry too much about it.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Which makes me think that this either isn't a CCJ or it was and then it has been passed about like a football without following the correct procedure?

 

Have you been paying equidebt for the last ten years? Who was the original creditor?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Equidebt mostly deal with Co-op accounts.. although I guess they could have taken on others as well..

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I had one of those letters a long while ago and asked them whether they could enlighten me as I sure as hell didn't have any more money. Never got a response and I always guessed that it was something to do with balances being reported to the CRA by creditors and they chanced their arm when a balance was reducing.

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Write back and say thanks for the heads up on my finances, but as I was unaware of coming into additional monies, I completed an income and expenses sheet and found that I could no longer afford the £10 so from now on I will be paying £1. thanks again for highlighting my predicament

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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