followed every guideline- WHAT ARE WE SUPPOSED TO DO? help?

japanesegirl

Hi at the time OH paid the money to the cc company back in September he wrongly 'thought' that we could recoup it as I was just starting a full-time job and he also had some freelance. So he didnt think for a minute that were would NOT be able to pay it. It is since then that everything has spiralled which is why we are now going into a DMP with CCCS.

Looking back, I agree, it does seem a stupid thing to do but up until that point we were managing, we cannot believe how since then everything has escalated.

loubie_lou

How much is your mortgage again? Maybe you could pay £100 (or whatever you can afford) extra on top of you current payment until it it cleared?

japanesegirl

No there is absolutely nothing I havent told - have never ever even been late paying, have never missed prior to this 'ONCE' and as I have said we have written to them twice and rang them and they just seem to be completely disinterested. We are more than happy to pay extra and that is what we have written just asking them for a payment plan.

In the letter yesterday they said that if they 'were' to enter into any agreement then we would need to fill in an income/expenditure form which they said they had enclosed - but they hadnt enclosed it and this is what we have been asking for the last two months, so when I tried to ring them last nite to a) discuss the contents of the letter and b) inform them that they 'hadnt' sent the form and couldnt get through despite the fact that it clearly said on their letter they were open till 8.30pm. They also enclosed a leaflet from the FSA with guidelines on what to do, I read it thoroughly and we have followed every single guideline as set out in the leaflet which is another reason why I tried to speak to someone, to say we have already done everything that the leaflet says so why are they now threateneing solicitors.

We WANT to have an arrangement and this is what we have been trying to achieve for the last two months. I think they have never even read our letters just sent out bog standard replies.

japanesegirl

UPDATE - My hubby has finally managed to get through and this is his email to me ..... looks like they have finally listened. But why oh why has taken this long for them to take notice - my husband first sentence says it all!!!!!!!

email to me from Hubby re mortgage

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At last I have got some sense out of them. It is not surprising they were hardly falling over themselves to get something in place - if we had paid £10 a month they would not have charged us £50 - A real money spinner for them!!!!


I have paid this month and an additional £15 to avoid the £50 charge this month. They are sending an expenditure form out for us to fill in - I told them about CCCS and they said a copy of that would prob do. At least the arrears will be eradicated quickly witout a £50 charge so we will have a bit to live on after a year.

GRRR!! - its OK I'm calm now had my rant - told them they were in contravention of the FSA terms etc......