Grattan debt

[tinki44]

I owe just over £1500, which I was paying up until I was off work with a illness and then diagnosed with anxiety back in December.

 

 

I wrote to grattan asking to make reduced payments and freeze interest, they wanted doctors letter which I sent and they reduced and froze interest for a few months but now they want the account paid in full. I've asked to keep reduced amounts as there is no difference with my medical condition but they've said no they want me to get a debt charity involved and another doctors letter before they will think about freezing interest and looking at a reduced amount.

 

 

I'm going to cca them but I think I opened this account in 2008 but could have been slightly longer than that. As they already have on record a doctors letter do I need to send them another one? not sure I should have sent them one in the first place!

 

 

I've been paying £10 a month which I know isn't much but my electric was in arrears and have been clearing that as its a priority debt.

[citizenB]

I don't think they have the right to demand a GP letter again and doubt they had any right to the first one either.

 

Grattan don't have any right to demand that you do get a Debt Charity involved - they are supposed to accept self managed DMPs. It wont harm for you to speak to National Debtline and ask them to help you produce an Income & Expenditure sheet which should be acceptable to Grattan and then you can continue to self manage.

 

Your electric arrears are, as you say, a priority.

 

Were there any insurances on the Grattan account - are there any default/penalty charges ?

[tinki44]

Yes there are some default charges etc., its the interest that's crippling me now

[tinki44]

Hi I posted on here before about my grattan debt. to give a brief outline I was ill 2013/14 and grattan asked for doctors letters, not fit for work forms etc which I sent them. They agreed to freeze interest for a few months but then wouldn't do it again. I have been paying £10 a month which on a debt of over £1600 isn't great but its all I can afford, although the payment have been coming off my account grattan wont accept this and asked for another doctors letter and for me to get a debt charity involved which I haven't done.

I have two other catalogue debts they have both stopped all charges,interest etc and are accepting £10 a month, grattan won't.

 

 

Ive just had letter to say they have passed my account to eos solutions and to contact them immediately to re confirm payment plan and next payment date, I haven't had a payment plan as everything ive offered grattan they've refused.

Im sure this account was opened in 2008 but not 100% sure, I also don't agree I owe the amount started as they have added a lot of charges on over the years.

Could anyone help on my next course of action. I was going to cca grattan but haven't yet. I cant check my account online anymore as they've blocked it, but I have always paid my £10 through a standing order I set up from my bank account, they have said to now pay eos.

 

 

Any advice gratefully received

[tinki44]

I have now received a letter from eos solutions saying that they are contacting me as I haven't arranged a suitable payment plan with grattan.

I have tried but every amount I ask to pay they say its not enough but have carried on paying £10 a month anyway.

Eos say I either pay in ful or if I can't to contact them to arrange a suitable payment plan.

 

Can anyone advise what I should do now please. Is there any point sending a CCA? I know there are alot of charges on this account so is it best to SAR?

I'm still confused about the right way to go about this.

[dx100uk]

old and new threads merged

 

 

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

[Bazooka Boo]

And for good measure, CCA request is here >>> http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974-**Updated-January-2015**

 

Send it off with a £1 BLANK Postal order, send it to the powerless EOS Solutions, lets see if they know what to do with it.

 

And as for all of those penalty charges Gratton has added to your account, you 'could' send them a SAR (costs £10) and send it to them direct, then when they send you all of the account history, you can add up all of the charges they have levied on the account, and go about reclaiming them, with interest.

 

And in light of your treatment by them, I'd be very much inclined to offer £5 a month, which hopefully their greed won't accept, then you can drop em down to £1 a month for 1500 months!

[tinki44]

Hi I sent a cca to EOS on 21st January,

 

 

I received a reply to say they have passed it to grattan.

I received a reply from grattan on 13th February, letter dated 11th february,

enclosing a reconstituted copy of my current credit agreement,

 

 

saying this approach is consistent with the requirements of the consumer credit act 1974 as amended.

None of my actual details filled in on the form.

 

And that if I have not yet come to a payment agreement with eos please contact them immediately.

 

I'm still paying my £10 a month, and have not yet contacted eos since grattan sent me the above.

 

 

They were a couple of days after the 12+2 days sending me the letter

but I don't really understand what the 12+2 days are in place for.

 

 

I'm assuming I now just have to contact eos to arrangement a repayment plan?

[dx100uk]

scan the CCA return up please

upload

[Bazooka Boo]

No, you don't HAVE to contact the powerless EOS.

 

If Gratton want their money then pay them direct.

 

How are you paying this £10 a month? DD or standing order?

And who are you paying it too?

[tinki44]

Hope I've scanned it correctly. I'm paying by standing order and to grattan. They blocked me from being able to view my account online but I set up a standing order ages ago so carry on paying it via that.

grattan cca.pdf

[dx100uk]

can you check your credit file

see if you can find the take out date

that recon is in all effect bog roll

 

 

dx

[Bazooka Boo]

Have they been sending you statements of account annually so you know what you have paid off and the amount that remains?

[tinki44]

I got into arrears with them in the last year and up until they passed it on to EOS I was getting monthly statements.

 

I think it was 2007 I took it out but will check.

 

Not sure what my next course of action is

[Bazooka Boo]

OK, how much of this is their added fees & charges?

 

Did you have any form of protection or PPI on this at all?

 

I would simply keep the SO in place for the time being, but I would seriously look at reducing the amount you're paying, unless you're happy with the amount, and it is realistic and comfortable for you to pay it?

 

This is NOT a priority debt, as such it attracts the token payment of £1 a month.

[tinki44]

No ppi but there are some £12 charges on there etc., I'm assuming I now need to SAR grattan for all the information?

[Bazooka Boo]

If you've not the entire account history, then yes a SAR would enable you to see what charges they have added, and that you can reclaim under the hardship rules.