financial pickle, advice needed

VonBek

Hi Dottyanne, They can and will persue the debt, you would have signed a credit agreement when first taking out the catalogue. If you are struggling to make payments, then your best option is to stop using the catalogue, write to them explaining your situation, that you wish to close the account and what you can afford to pay each month. They will probably try to claim you cant do this, but you can, just make sure you send a payment each month of what you can afford.
We were in the same position, I have managed to keep payments up and have almost cleared the debt, as the catalogue is in my partners name I cant close the account, but I have told him that once it is cleared, it is his responsibility to pay it if he buys anything. My attitude now is if I cant afford to pay cash for it I dont need it now.
Hope this helps.

Ian.

rushnowt

southernscouser wrote:

Oi, wheres this bloody SOA!

Hiya hun,

She wouldn't post it eventually got her to get in touch with payplan tho and they have helped her out immensely, she's finally getting her head around it all and it sorting everything out, called her tonight and she's sounding happier already :j :j

Thanks again for everyone's help and advice

Rush x

moozie_2

Just wanted to say glad she contacted Payplan and she feels they are helping.

A big well done to you for standing by your friend and helping her out in her time of need. :T

Hope everything carries on in the right direction for her.