Reliable Collections Ltd

Kochanski

Hi all,

Around Christmas 2006 my mum wasn't well and I have to care for her. Between us we have quite a few debts , including 3 between us with JD Williams and their sister companies. Around that time we agreed to pay off £15 on each account per month until the balance was paid. Since this, we have not missed any payments and the balance has been coming down.

This morning however, We received a letter each regarding 2 of the accounts headed "Notification of an agreed payment plan", stating that they had agreed the for us to pay £20 by the due date (it doesn't say how much per month after this). It also states that to set this up, a 10% arangement fee will be added to the account (this was already added on when the previous plan was set up.

I've had no contact with them regarding this 'agreement' and this letter is the first I've heard of it. I know an extra £5 doesn't sound very much but we are on a very tight budget as it is, and an extra 10% of the balance being added on is incredibly hard to swallow when I've been trying so hard to pay it off.

Anyway, my main question is can they change the payment amount without consulting me?

Sorry for rambling on but I have been doing so well trying to pay my debts off, this is a bit of a kick in the teeth.

GeorgeUK

You only need to pay what you can afford. Just because they would like you to pay more does not mean that you must. It's letters like that which would make me ask for copies of the CCA just to get back at them.

You have not agreed to pay £20 so i would just continue paying as you have been. I would write to them stating that you have not agreed to increase your payments and are not currently in a position to do so, but will maintain your current level of payment.

I'd REALLY be tempted to ask for a copy of the CCA if this was a creditcard, loan or catalogue debt

Kochanski

Thank you for putting my mind at rest