JD Williams Debt Help :(

[Sarahlou21]

Hi,

I would just like some advice about how to get rid of my debt.

 

My original debt was roughly £1300 but now its £2500 because of all the interest they have put on my account.

 

I did contact them advising them of my situation back in 2012 and they wouldn't help me or freeze my charges.

 

Because of them not helping me, i just left it and now i really need to sort it out.

 

My credit is very poor now due to this mess,

and i just want it gone from my credit file.

what should i do?

 

I can't afford to pay it all back either.

 

 

many thanks

Sarah

[IainHL]

We found we had to stand very firm with them,

refusing to speak on the phone and instead writing.

 

Re-iterated the financial hardship situation and asked them to freeze interest and accept a payment plan.

 

Eventually they did accede, froze interest and accepted monthly payments of around 60% of what would be the normal payment based on the amount outstanding.

 

 

Good luck!

[dx100uk]

have you got all the statements?

 

got lots of £12 penalty fees & PPI?

 

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

drop them to £1PCM for life.

.

as an example>

LETTER 1

.

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.

signed

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

if you have sent the above and they refuse

then write back........

.

.LETTER 2

 

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, refraining 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.

disgruntled account holder

dx

[letsmakeamark]

They trap and then sting you for 3-4 lots of £12 per month

[renegadeimp]

And all those charges are completely unenforceable and can be ignored/reclaimed.