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Problem with Catalogue debts


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Hello everyone,

 

Need some help and advice,

 

I have come to financial difficulties long story,

 

I am claiming Income Support under ill health.

 

I have two debts with two catalogues one is Woolworths and the other is Very,

 

I duly rang them both and told them of my financial difficulties telling them I can no longer pay the monthly amount on my statements,

 

I've told them to cancel my credit with them but they will not

and of course in mean time they are charging me interest and late payment charges which is making the debt worse.

 

I need help on how I can make them close both accounts and

 

then I can deal with their debt collector,

 

both catalogues seems to be reluctant to close the account which I found very unusual,

normally when you can't pay a debt it get send straight to the debt collectors

but those two keeps telling me they cannot close the account.

 

Any help and advice on how I can get them to close that account would be much appreciated.

 

Thanks in advance

 

 

helen

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never heard of these companies, or any

actually closing accounts as you request.

 

if you are having repayment issues

 

then you should write to them

asking them to refrain from

adding additional interest and penalty charges.

 

follow this:

 

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>

.

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.

..

.

dx

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

or

if you have sent the above and they refuse

then 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, 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

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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never heard of these companies, or any

actually closing accounts as you request.

 

if you are having repayment issues

 

then you should write to them

asking them to refrain from

adding additional interest and penalty charges.

 

follow this:

 

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>

.

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.

..

.

dx

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

or

if you have sent the above and they refuse

then 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, 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

 

 

Thank you so much for your help, advice and example letters,

would you be able to tell me where I can get those guidelines and codes

so that I could enclose those guidelines together with the letter,

 

I have told them time and again about my difficulties straight away but they just will not close that accounts

which I know why because in meantime the debt is mounting with interest charges.

 

I came into financial difficulties through no fault of my own because I have my friend who became homeless,

suffering from severe mental illness was claiming IB at first then when on to claim ESA contribution-based,

 

I have been helping her with all her day to day care never claimed carer allowance for doing so,

just my basic Income Support through illness myself.

 

December 2013 her ESA Contribution-based just stopped by the DWP without any letter saying why and the reasons for.

 

I have then been feeding her on my Income support money plus my young son too and two pets,

 

cutting a long story short we've been destitute to this day,

she still have not received a penny from the dwp and no letter,

 

of course I've had to quickly stopped catalogue debts as they were not priority

they were paid every months without failed before we ended in financial difficulties,

as mentioned both catalogue know of this difficulties but still not closing the debt.

 

Your advice letter will now hopefully help I can then be able to start paying bits that I can afford instead of them asking money as before which I just cannot afford.

 

Thanks again and appreciate your help.

 

 

Helen

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you don't need to inc anything

they know the rules/guidelines.

 

however, again, I say they will not close the account.

 

I think you are using the wrong terms here.

 

you also need to get that benefit sorted!!

 

start a thread in the benefits forum

 

tell us the story.

 

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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Share on other sites
you don't need to inc anything

they know the rules/guidelines.

 

however, again, I say they will not close the account.

 

I think you are using the wrong terms here.

 

you also need to get that benefit sorted!!

 

start a thread in the benefits forum

 

tell us the story.

 

dx

 

 

Thank you for your reply, the benefit problems are in hands and I have already asked in the benefit forum, but for now I need to get those two catalogues account closed. I am not sure by what you mean I'm using the wrong terms?

 

I think what I would like them to do is to send those arrears to their debt collectors it would be easy for me to pay as it is now they are both still adding late payment which is making matters worst. I am surprised they are relunctant to default those accounts, I thought once someone has difficulty in paying they send the arrears to a debt collector.

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you cant close the accounts...

 

where are you getting this from?

 

............

 

you need them to stop interest and penalty charges.

 

how many £12 fees have you had?

 

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... 

Link to post
Share on other sites
you cant close the accounts...

 

where are you getting this from?

 

............

 

you need them to stop interest and penalty charges.

 

how many £12 fees have you had?

 

dx

 

I have typed the sample letter you advice me and will send it today,

 

so far I have 2 lots pf £12 fees and that is from one of the catalogue,

 

Woolworth is not pestering me as much

 

but Very now is ringing me all day during the day and night,

 

I'm having to take my phone off the hook.

 

I'm hoping when they receive the letter they will leave me alone,

 

I have told them times and again about my financial difficulty and even offer to pay so much per month

but nothing perhaps now with that letter in writing they will take notice keeping fingers crossed.

 

Appreciate your help.

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