HELP PLEASE - Welcome Finance Harrasing Me

Pudding66

Hi I have an unsecured loan with WF (£4100). I have not been able to pay them the £240 monthly payment for the past two/three months.
I spoke to Payplan and they said my mortgage, my secured loan and council tax are all priority arrears/payments - I was not paying the full amount on my priority bills as WF were hassling the hell out of me and I was paying them instead.
I have sent off the letters (provided by pay plan )and my expenditure to WF saying I can only afford £50 a month (cannot even afford that but was hoping to keep them off my back). They received my Recorded Delivery letter today together with my £50 cheque and also a standard template letter which I got from here saying “I will only correspond with them by post”.
They have telephoned me twice at work today and three times on my mobile! They are constantly phoning me a work - I am not too bothered about the mobile but I am really scared I am going to get in trouble with work - work pass the message on to me but I do not phone WF back (last time I did he was extremely rude and aggressive demanding my debit card number to take monthly payments out that way). I need them to stop phoning me at work!!!
They also turned up at my home twice - was not in either time but he left a letter and charged me for it too!
Any advice greatly appreciated! Thanks

GeorgeUK

I suggest you make an official complaint to the organisation as they are not following the debt collection guidelines.

If they continue to do this after you have made a complaint, report them to OFCOM and Trading Standards.

Have you requested a copy of the CCA for this debt?

mrcow

If they call you again, tell them that they have had (and received) a formal written request to only deal with you by writing.

Any further phonecalls will be treated as harassment and will be reported to the Information Commissioners Office. Take the name of the person who calls you as it is their name who will be at the top of the complaint.

And then terminate the call.

Pudding66

Thanks guys!

They rang again this morning around 9am but i missed the call! They left a message saying that if i do not pay the £700 arrears by 1pm today they will pass the arrears over to the local collections unit on Monday! What does that mean?

What is a CCA and will that help me if i ask for a copy?

Thanks very much for your advice.

10past6

Pudding66 wrote: »

“I will only correspond with them by post”.

It can take several days to remove your contact details from there database, give them 7 days from when they received your letter.

Are you on a DMP with Payplan?

Pudding66

Hi 10past6

No i am not on a DMP with Payplan - they said that i do not have enough unsecured debt to go on one (i think you have to be over a certain amount). My other debts are mortgage, council tax and utility arrears.

Thanks

RAS

Pudding

if you have mortgage, CT and utility arrers you should only pay WF £1 per month, and tell them that once your priority debts are sorted, you will up the payments.

might be an idea to post an SOA on here and see what we can do to help you.

Olivia_Jones

As its an unsecured debt,give payplan or cccs a call and explain the situation,they should be able to take the case over from you and negotiate directly with WF and sort out an affordable monthly payment that enables you to also meet your priority payments eg mortgage,utilities and council tax,they may even be able to freeze the interest for you.It will certainly take the stress from you in regards to them calling you and visiting you at home.Good luck x