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cetainly the loans and credit cards yes i bet lots of £12 charges!!

 

as for the bank accounts

 

if there are any BCOBS would be the route

 

lots of info below in my links

 

dx

 

 

thanks for the info,

 

I think my next move will be the SAR to nat west credit card, isme and very,

 

then I will look into the BCOBS,

 

many thanks for your help,

 

one more thing

 

can I offer the TSB less than im struggling to pay at the moment

 

( I thought the banks would have come under prioritys )

 

sorry for all the questions.

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you can treat all you debts basically the same

 

 

the cat debts even less so.

 

write them

 

tell them they will be getting £xx for XX mts

 

as a gesture of GOODWILL

 

as a reciprocal gesture of goodwill

 

you require them to freeze any int

and refrain from levyign any PENALTY charges

 

should you fail to help me

 

i will have NO alternative than to reduce my goodwill payment to £XX

 

loans/cards £20-£30 PCN cat debts

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi I have started the process of reducing my payments from £ 50 pcm to £25 pcm and following a couple of emails requesting me to ring them, I have received the following

 

 

Thank you for your recent offer of payments on your Shop Direct accounts.

 

I am pleased to inform you, your offer of £25.00 each month to both of your accounts has been accepted for an initial period of three months.

 

During this time we would appreciate if you could provide some supporting documentation in regards to your current circumstances. This will allow us to assist you in the best way possible and allow us to extend the arrangement for a longer term if you still require help after the initial three month period.

 

The first payments are to be received by 20th November 2012 and then subsequently by the 20th of each month for the length of the agreement.

 

In order to assist you with the running of your accounts, with effect from 2nd November 2012 we have suspended interest and late payment fees from being applied to your accounts.

 

Please be aware that if you have purchased items on Buy Now Pay Later, any interest that has accrued in the payment free period prior to the suspension, will still be charged to your accounts (unless you pay the full purchase price by the relevant due date pursuant to the terms and conditions of your accounts).

 

Information regarding your accounts will continue to be passed to Credit Reference Agencies and no further orders will be accepted until your accounts have been brought up to date.

 

If you have any further queries or concerns do not hesitate to contact me on the above number.

 

What does supporting Documentation mean ? is it the I/E ? for which I believe via this site that I don't have to show ( although I am willing if need be)

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email back stating quite clearly

that they are not legally entitled to see any of your personal financial details

 

should a judge order such, then you would ofcourse supply it.

 

well done!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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email back stating quite clearly

that they are not legally entitled to see any of your personal financial details

 

should a judge order such, then you would ofcourse supply it.

 

well done!!

 

dx

Thank you and many thanks to this site for the advice I have received, which has given me the strength to deal with the problems that have been drowning me.

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  • 3 months later...

Hi

Having had lots of advice regarding this, I am hoping for a bit more, I have received the following email and wondered exactly what to send as supporting documents, my situation has got worse ( see other post)

 

Thank you for recent payment on your Isme account.

 

Your account has been with the Specialist Support Team since 2.11.2012 during which time there has been no account interest or administration charges applied to the account. Unfortunately in order for us to continue assisting you with your account we do now require supporting documentation as to your current circumstances, as we have discussed with you previously. A pre paid envelope is enclosed for your convenience.

 

If you require any further information please call on 0844 822 4726 during the office hours shown above. If we do not hear from you within the next twenty eight days we will assume that you no longer require our assistance and that you are able to manage your finances and maintain payments in accordance with your account terms and conditions.

 

However, if you do still require any assistance, it is essential that you contact us, because in the event we do not hear from you, your account will be transferred back through our normal collections process where administration fees and interest may be applied

 

Information regarding your account will continue to be passed to Credit Reference Agencies and no further orders will be accepted until the account has been brought up to date.

 

Any help would graciously be received

Many Thanks

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Two threads merged...please keep to this one thread for this issue.

 

It looks like dx has already answered this point above....I would say that the advice still stands.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

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If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

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Its ok no problem.

 

the advice by dx is in post #79 above i.e.

 

email back stating quite clearly

that they are not legally entitled to see any of your personal financial details

 

should a judge order such, then you would ofcourse supply it.

 

well done!!

 

dx

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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  • 11 months later...

Hi any help would be greatly appreciated,

 

following advice from here,

 

I have a Payment plan with both of the above and have kept up to date,

 

I now have a letter asking for supporting documentation for my circumstances I'm not sure what this is ?

 

If I cant provide this the plan is canceled,

 

any ideas

Thank you in advance

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They want an Income and Expenditure Tricia to substantiate your payment plan.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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threads merged yet again

 

please keep to one thread for this debt.

 

the question has already been answered several times on what to do.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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But refusing to supply at least a basic I&E will of course jeopardize your payment plan.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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Hi and thank you Andy, I stupidly received and answered a telephone call from Very, the supporting evidence they are after is a doctors letter !

Yet again dx100uk I apologise for merging threads I did look for previous threads but wasn't able to find them, maybe one day I will be more computer friendly and not cause such problems

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You now need a doctors letters to qualify for a payment plan? :!:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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