Please help quick quid refusing to give me their bank account details

[Conniff]

You write to them and ask again, tell them in no uncertain terms, 'no bank details means no payments'. Also you can add 'your continual refusal to cooperate can only be seen as an attempt to increase the outstanding balance by adding charges and or interest, none of which I will pay'.

 

Don't ever talk to them on the phone unless you can record the call and send letters by recorded delivery so you have proof of your attempts to resolve this.

 

You must take control of this Rennie and not let them dictate to you.

[Conniff]

That is what I mean by 'you' taking charge. Tell them in the letter that you will not respond to any phone calls and that all correspondence must be in writing.

 

It matters not that they just send generated responses, that is their problem. Keep all correspondence to and from them. How much is outstanding by the way ?

[Conniff]

Please don't feel embarrassed or ashamed, you really aren't alone in this. These companies just take advantage of your situation, rub their hands in glee and bump up the charges.

 

Are you sure you can afford £252 per month? If that is pushing you to the limit, then make it lower and more affordable. If you have a chequebook, you could send them a cheque each month instead of bank transfer.

[Conniff]

I can see you want rid of the debt, and you are willing to do overtime to make these payments, but that is the weakpoint of it. Say the overtime dries up meaning you fail to send the payment amount you promised. When you make an offer of payment, you should be sure you can continue that agreement without missing a payment, which is why you need to be certain that you can reliably afford that amount.

 

If you say you can make xx payments and then have to miss one, that will give them the upper hand again.

[Conniff]

Send them a postal order with the amount you can afford and enclose a letter saying that as you refuse to give me any other means by which to pay you, all payments will be done by Postal Order. The fee for the Postal Orders and postage costs 'will' be deducted from the outstanding balance. Send it by recorded delivery.

[Conniff]

All sorted I will be paying via standing order

Would it be possible to close this thread now

Thank you

 

 

Would you like to give the account details here so others that are affected can pay that way without going through the hoops ?

[Conniff]

I've closed your thread as requested.