Jump to content


Next Directory won't accept my reduced payment offer ** SCOTLAND**


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2375 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I emailed Next and Isme with a list of my income and outgoings and asked them to accept a reduced payment of £36 a month. I explained that I only have Carer's Allowance and Income Support totalling £72 a week. I have £18 a week left so I offered both catalogues half of this. Isme not replied yet but Next have refused my offer but said they will accept £54 a month with no interest or charges. Can anyone please advise me on how to respond as I cannot afford more than £36 a month?

Link to post
Share on other sites

You made the mistake of asking instead of telling. Write, and start paying now, the reduced amount and tell them that is all you can afford at present and will review it in six months. Make sure you pay your suggested payments and not wait for them to agree.

Link to post
Share on other sites

Thank you. I paid them £100 on the 3rd mainly using money I was given for xmas so will be a couple of weeks till I can pay them anyhing else. Will they keep adding charges and interest if I pay £36 and not the £54 they want?

Link to post
Share on other sites

Isme response today - they want me to agree to £169.73 every 28 days for 12 months with no mention of freezing interest and charges. If not, they advise to contact Stepwise. They want £42 a week of my £72 a week income despite knowing that is all I have. I am worried about informing them I can't pay that much and would appreciate any advice.

Link to post
Share on other sites

I think all you can do is send one more letter along the lines of:-

 

Dear Sir or Madam or named person,

 

Account references

 

I am responding to your letter dated XXX

 

I am sorry you feel unable to accept my token payment offer of £ XX.00 and my request to freeze interest and charges. I have made you aware of the financial hardship I am facing and the sum you are demanding every 28 days is, in the circumstances, unreasonable.

 

In view of your refusal of my payment offer, I can see no way forward and will be speaking to National Debtline to review any options I might have. It would be appreciated if you could hold any action whilst I do this.

 

 

Yours etc, etc.

 

You could if you wish send this to their Head/Registered office under the heading of formal complaint.

 

Alternatively, I would suggest you get in touch with National Debtline - have them help you produce a common financial statement (budget sheet) they might suggest you speak with one of the Debt Counselling charities, although from what you are saying, I don't think either of them will be able to help if you don't have over £100.00 disposable income.

 

It is my understanding that if they know you are receiving advice from one of the DMP charities, then they should hold action for at least 28 days and also give serious consideration to your offer.

 

What is your total unsecured debt situation ? It might be worth considering a Debt relief Order (if your debt is under £15,000). Link to Nat Debt below. You will find a telephone number also on their website.

 

https://www.nationaldebtline.org/EW/Pages/default.aspx

 

 

Do you own your own home ?

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Many thanks for your helpful reply citizenB. I am in private rented property in Scotland. My total unsecured debt is £6000. I know that my income will not improve in the future as my son requires full time care for life which I provide so their is no prospect of working in the future. I mention this re knowing I won't be able to offer more in 6 months or a year. I will look into the info you have kindly provided,thank you.

Link to post
Share on other sites

From what you say ellgee, I really do think that National Debtline should be your first port of call. When you go to their website - click on the Scotland link as I believe there are some differences to way debt is collected from England.

 

If Next are aware of your situation, then they are not being reasonable or fair.

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...