help needed..

clairelg88

10past6 wrote: »

You must reduce the payment above to £1.00 token payments until your situation improves, those debts above are NOT priority debts.

This IS

i tried to offer dlc what i could afford which was at the time about £20 a month but they said that they would not accept any less, so i had to agree to paying £55 a month otherwise they said they would take me to court.

10past6

clairelg88 wrote: »

i tried to offer dlc what i could afford which was at the time about £20 a month but they said that they would not accept any less

It's not for them to decide what payments you make, you pay what YOU can afford.

otherwise they said they would take me to court.

If they do, the court will not make you pay anymore than what you CAN afford.

clairelg88

I think i will give them a ring and see if i can pay a lower amount, if not i'll just leave it as court does sound too stressful!

10past6

Claire

You need to be aware, there game is to bully & intimidate you into paying them as much as they demand.

The threat of court action seems to have worked on you, take note 99.9% of those creditors / DCAs that threaten court action seldom actually instigate it.

Give into them now, there's nothing to stop them threatening court action again in 6 months time, however, it's your decision what ever you decide, for now, I suggest you amend and send the following letter:

Dear Sir/Madam

Re Account No xxxxxxxxxx

Since making that above agreement with you, our circumstances have changed.

We cannot now afford to agreed monthly payments because ... [your paragraph added here]

We enclose a Personal Budget sheet which shows our total income from all sources, and our outgoings. As you can see we have only £xxx per month left for our creditors.

The offers we have made to our creditors have worked out on a pro−rata basis, and we have written to all our creditors asking them to accept reduced payments.

In view of our circumstances, please would you agree to accept a reduced offer of £xx per month.

If interest or other charges are being added to the account we would be grateful if you would freeze these so that all payments made will reduce what I owe you.

Should our circumstances improve we will contact you again.

We would be grateful if you would send a paying−in book to make it easier to pay you.

Thank you for your assistance. We look forward to hearing from you as soon as possible.

Yours faithfully

10past6

clairelg88 wrote: »

if not i'll just leave it as court does sound too stressful!

You need to work out which are your priority debts, these are

Rent / Mortgage
Gas / Electric / Water
Community Charge
Secured Loans

The above are your priority debts and MUST be paid before any other debts.

I see you've not paid a water bill, courts won't look to favourably on those who pay unsecured debts in preference to priority bills.