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Argos letter


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Ok where can I find the limits for the budget sheets that's accepted?

 

There's an ref number, account number and sort code on a bank giro credit slip on the end of a statement from them. Can I just set up a standing order to send £1 on the best day for my sister?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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National debt line has a good source of info. Its accepted by the courts too so it's more than good enough for Argos.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Would this letter be okay? I'm still working on the budget sheet and will upload it soon.

 

Letter:

 

Account number: 00000000000000000

 

HRG Letter Ref: 00000

 

 

Dear Sir/Madam

 

I am in receipt of your letter dated 21/02/2015 concerning the above account.

 

I am sorry that you feel unable to accept the offer which I have made. I am under no obligation to share any of my medical documentation and I’m not going to.

 

I would like to remind you I have not given my consent for you to share any of my data to third party debt collection agencies.

 

The majority of my other creditors have accepted the offers made to them and I have commenced payments. I simply cannot offer you anymore because I can only afford £2.00 per month between all my creditors, and it would be wrong to cease or reduce payments to my other creditors in favor of your company.

 

The offer made to you is on a pro-rata basis, as used by the county court, and would be a temporary measure whilst I get myself back on track. To show my goodwill, I am going to commence payments of my £1 per month offer. I will also attach a budget sheet to show my income and outgoings.

 

I will update you in 6months time or before, should my situation change. Could you please as a reciprocal goodwill gesture, 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 relevant 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.

 

 

Yours faithfully,

 

My Sister

 

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Yep. Then start paying it so they can't claim you're avoiding the debt.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks renegadeimp,

 

I've added into my letter when my sister will pay.

 

Letter:

 

Dear Sir/Madam

 

I am in receipt of your letter dated 21/02/2015 concerning the above account. I am sorry that you feel unable to accept the offer which I have made. I am under no obligation to share any of my medical documentation and I’m not going to.

 

I would like to remind you I have not given my consent for you to share any of my data to third party debt collection agencies.

 

The majority of my other creditors have accepted the offers made to them and I have commenced payments. I simply cannot offer you anymore because I can only afford £2.00 per month between all my creditors, and it would be wrong to cease or reduce payments to my other creditors in favor of your company.

 

The offer made to you is on a pro-rata basis, as used by the county court, and would be a temporary measure whilst I get myself back on track.

 

To show my goodwill, I am going to commence payments of my £1 per month offer. It will be paid on the 28th of each month with the reference number (000000000000000). I will also attach a budget sheet to show my income and outgoings.

 

I will update you in 6months time or before, should my situation change. Could you please as a reciprocal goodwill gesture, 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 relevant 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.

 

 

Yours faithfully,

 

I will attach her budget sheet and send it off tomorrow.

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Change 6 months to 3 months. Shows better willingness and compromise. If you say 6 theyll usually ignore it or sell the debt on.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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HRG does not serve statements beyond 90 days of persisting late payment, nothing beyond default date. It will still attempt to apply charges and interest in future without notice.

 

It may have changed in the last 3 months [unlikely] but looking at the long game on the account I'd be inclined to send it minimal correspondence [recorded delivery] every 7 months or so advising that you have not receipted a statement of account or any notices and calculate the balance to be £xxx.xx

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  • 11 months later...

Send them a copy of the letter from DWP stating you are getting SSP and do not send cheques but send a postal order each month by recorded delivery and keep the PO stub with all details to prove you have kept faith and paid the minimum you promised.

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very old thread

 

 

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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