Thanks Andy, how can i pay Barclays direct if they have passed it onto Arvato...or westcot.?..(or both at various stages apparently?). And as for Barclays saying because of their own mistake /breech of cca rules etc, they would never take it to court...have they just off loaded it to these stupid debt collecting idiots/
The only reason I don't want to enter a DRO unless absolutely necessary is because I was reading that when renting your home the tenancy agent can kick you out of your home for entering into a DRO or IVA? Also, I currently rent my car on a PCP and I could have that contract terminated too?!
If I enter into the informal negotiations with my creditors via the pro rata letter, am I correct in thinking that this wouldn't affect my renting status and the my hire car?
What would I need to show them to provide income and outgoings proof? Bank Statements and Wage Slips?
pers I wouldnt touch an IVA with a barge pole.
DRO if you must take such routes
which is probably the best way for the future. as andy explained earlier
once you 'default' by entering into your own arrangement [our pro-rata stuff]
the defaults are there for 6yrs anyway killing credit.
but under the same breath, so is the DRO marker...
there is nothing to stop you doing pro rata..see how it goes
then switching if needs be.
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!