help desperately needed!!!!

[Candi22]

Hi,

 

I dont know where to start but first let me tell u what happned. I am a student so i had an arranged overdraft facility with barclays bank. In october 2006 avis car hire began to take unnecsary amounts from my card without telling me so i went seriously overdrawn on my account. At the same time i had two payday loans amounting to £2000 but i was extending the repayment using my cheque book.

 

When i went overdrawn barclays cancelled my cheque book refusing to listen to my situation. They also withdrew my overdraft facility saying i had to pay the whole maount back immediately. Since the I have receioving demands letters and the short ctory is it has now been referred to CDCS deb collection. I told them that i will pay them £200 a month. They accpted this. However, they are bullish, intimidating and aggressive. The problem is they want the 200 on the 10/04/07 and due to my other expenses i told them(CDCS) that i can only pay them 100 p[punds on the 10th and the other 100p pounds at the end of the month. I should say that i have been paying 200 pounds a month since octber 2006. They are not accepting anything are threatening me with legal action for the whole 3000 pounds. I dont know what to do. They are harrasing me and i dont know where to turn to? can anyone give me any advice?

[linz2011]

hi candi

 

firstly please do not worry or feel intimidated by these bullies. Sit down and write them a letter with your income and expenditure offering them them what you can afford.

 

secondly advise them that you only wish to communicate in writing and that you request they no longer contact you by phone.

 

Thirdly pay monthly the amount you can afford to pay and continue to do so until it is repaid - do not pay any more that the original debt.

 

hope this helps