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Reliable Collections & fashion World debt


Landrover90
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Hello

 

I have had an account with Fashion World which I got into difficulty with the balance is around £2600.

 

The account was passed on to reliable, who agreed to accept £20 a month

they said that the account would be looked at by their review team,

and I would likely get the interest frozen and backdated from when the £20 started.

 

After a couple of months interest was still being added

so I sent a CCA request to get statement and interest rates from them.

 

They replied in there letter outlining the agreement and stating that the interest was stopped.

 

I wrote back saying that the interest had not been stopped,

they replied saying that they had made a clerical error in saying that the interest had been stopped and that it would not be stopped.

 

My problem here is I am a student now and recovering from long term physical and mental illness.

The £20 goes nowhere near covering the interest and the debt is increasing each month.

 

 

What would you guys suggest I do?

 

someone suggest not paying until they issued a default or sold it on as then there would be no more interest added.

 

Thank you.

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RC are one of their in house DCA's any how.

 

got all your statements?

 

i bet you have loads of £12 PENALTY fees

 

get reclaiming.

 

cat debts are VERY low priority.

 

tell them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrin from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

then pay by your internet banking site

and get reclaiming

 

dx

 

TAKE CONTROL

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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any FEE that is deemed to be a PENALTY

 

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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and you dont ASK

 

you TELL THEM>

 

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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  • 1 month later...

Hi everyone.

 

I wrote to reliable and they wrote bank wanting a letter from my doctor, bank statements and a income and expenditure form.

 

I am rather inclined to tell them to Foxtrot Oscar but the account balance is still climbing every month.

 

what should I do now?

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no you dont send them that stuff

only a judge can demand such in fo.

 

if they are still levying penalty charges & interest

 

then follow this:

 

your objective here is to get them to accept your offer

but..

.

you TELL [dont ask] them they are only going to get £xxPCM for xx mts as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

.

if they wont,

you will drop them to £1PCM for life.

.

as an EXAMPLE>

.dear fleecer

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £5 for 6 mts.

.

.

i will update you in 6mts time or before, should my situation change.

.

could you please as a reciprocal goodwill guesture,

.

refrain from levying any penalty charges & freeze the interest on my account.?

.

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

.

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

.

.

as your actions would do nothing to help me.

.

i thank you for your time.

..

.The OFT has stated 'it is abasic principle that creditors cannot refuse to

 

accept payments from adebtor. If we receive evidence of a creditor

 

operating a deliberatepolicy of refusing to accept debtor created

 

repayments plans to thepoint where it is causing more detriment we may view

 

this as an unfair businesspractice'

 

 

dx

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

or

if you have sent the above and they refuse

then as an EXAMPLE write back........

.

.

i'm sorry, but you have failed to assist me during a period of financial difficulty, against all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

i repeat again, the contents of my letter dated dd/mm/yyyy, for want of clarification:

to show my goodwill, i am going to pay £XX for XX mts

could you please as a reciprocal goodwill guesture, refrain from levying any penalty charges & freeze the interest on my account.

.

i will update you in 6mts time or before, should my situation chance.

.

should you fail to help by refraining from levying unlawful PENALTY charges & freeze my interest,

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions are doing nothing to help me.

This is contrary to the rules you should operate under.##The OFT has stated 'it is abasic principle that creditors cannot refuse to

 

accept payments from adebtor. If we receive evidence of a creditor

 

operating a deliberatepolicy of refusing to accept debtor created

 

repayments plans to thepoint where it is causing more detriment we may view

 

this as an unfair businesspractice'

 

 

 

disgruntled account holder

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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  • 7 months later...

Hi everyone,

 

I have had no luck with these letters to fashion world and they have still been charging interest while I have been paying a pound a month. The outstanding balance is now over £3300. Today I have received a default notice from them. What happens from here? do they still charge interest?

 

Many thanks

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  • 3 months later...

Two threads merged on the same issue.

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

 

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Instructions

 

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