Massive debts

gargrave50

Productive day indeed, £1009.90 Viva La Diva catalogue account (stupid I know). Have just negotiated a settlement figure of £656.44 to be made over 12 weekly payments from 30/7/11 at £54.71 per week. Yay!

gargrave50

Payments have been set up x 12 for the Viva La Diva account I will officially be rid this debt by 14th October 2011. One question? Given that they have agreed a reduced settlement on this account, I assume I will have to send them the "full and final - will not be pursued for remaining balance etc" letter?:think:

gargrave50

Just had an acknowledgement from Littlewoods re: my email - will have a reply within 24 hours apparently

gargrave50

The email address I was given for "complaints" was [EMAIL="queries@littlewoods.com"]queries@littlewoods.com[/EMAIL]. Simple but deadly here's hoping! Thought I would put it on here in case anyone else had problems with Littlewoods. As you all know, I will post my reponse when its received

gargrave50

Just realised my endeavours today will take my debt total to £10,898.04.

Officially, I kick a*s :j:j:j

gargrave50

gargrave50 wrote: »

Payments have been set up x 12 for the Viva La Diva account I will officially be rid this debt by 14th October 2011. One question? Given that they have agreed a reduced settlement on this account, I assume I will have to send them the "full and final - will not be pursued for remaining balance etc" letter?:think:

Replying to my own thoughts:p

I arranged this via their online system not via telephone - printed off the schedule and it refers to it as a reduced settlement - doesn't say partial settlement. Should I still send the F&F letter?:eek:

gargrave50

Just spoke to BCW as I couldn't leave a job half done

I have to call BCW once my final payment on 14th October 2011 has been made, and request a letter of satisfaction. This will confirm that there is no outstanding balance due on the account, and that my credit file has been marked as satisfied. Sounds legitimate enough?

gargrave50

Also a job has come up in Melrose (Scotland but only just!) its 34.5 hours per week 6 month contract. Do I go for it?

In favour of London : unlimited overtime therefore can make extra to pay off debts quicker

In favour of Scotland : home with my family every night

Against London : Away from family, £460 rent and bills every month plus the cost of flights

Against Scotland : Very little available in the way of overtime - still travelling over an hour a day and the expense of fuel associated with that.

Anyone fancy playing the Devils Advocaate?

ElmerFudd

Hey gargrave, thought I'd just say hi and just say you're doing brilliantly. Inspiring. Keep it up

gargrave50

Letter off to Santander asking for a final response so I can refer my case to the FO. They are chasing me for £375 compiled entirely of charges which they continue to add. This is despite a letter dated 20th November 2010, enclosing a cheque for the actual outstanding debt on the account stating the following:

"Please find enclosed a cheque for the amount of £130.40. This is the amount my account is overdrawn, and further to my recent complaint i had requested already that the account be closed.

The fact that the account has not been put on hold during the complaint process, means that you have continued to accrue charges to the account totalling £125. I dispute these charges as I feel that I made clear my request for the account to be closed. I am happy to repay the overdrawn amount, however I refuse to pay for the unnecessary charges accrued.

Should you accept the cheque for £130.40, it is strictly on the basis that you agree to close the account instantly, and that the account has been satisfied in full and will not pursue me for further amounts. If you are unwilling to proceed on this basis then please return the cheque to me, and i will pursue a complaint with the Financial Ombudsman Service regarding this matter."

Needless to say the bandits cashed the cheque and continue piling on the charges. I have written them a letter pointing out the obvious and asking for a final response. I will of course keep you posted