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I want to be debt free - Closing Credit Card Accts - Standard Letters?

djtwingo
djtwingo Posts: 43 Forumite
in Debt-free wannabe
Dear All

I am new here but not new to the world of debt.

I am in the process of compiling by Statement of Accounts so that I can offer payments to credit card companies.

I have searched a few times but I can not find a link to standard letters that help me to say... close my account, freeze all interest charges and will you accept xyz per month, heres what I am paying everyone.

Can you help? I have tried using imoneymanager but I appear to have a lot more disposable income that my bank balance doesnot know about.

I have my bank charges claims in, they have been in for about 18 months. I am part way through claiming credit card charges and loan charges.

I am back using Microsoft Money to track stuff and I have started a daily spending book which is helpful.

I would be very please to receive any letter pointers.

Thanks you

Ian
[FONT=Lucida Handwriting, Cursive]'Scars remind us where we've been, they don't have to dictate where we are going.'[/FONT]
[FONT=Lucida Handwriting, Cursive]We come to love, not by finding the perfect person, [/FONT][FONT=Lucida Handwriting, Cursive]but by learning to see an imperfect person perfectly. [/FONT]
[FONT=Lucida Handwriting, Cursive]'The happiest people don't necessarily have the best of everything, they just make the best of everything.'[/FONT]
[FONT=Lucida Handwriting, Cursive]www sonjaecampbell co uk[/FONT]

Comments

  • djtwingo
    djtwingo Posts: 43 Forumite
    Does anybody have any template links or ideas plse?
    [FONT=Lucida Handwriting, Cursive]'Scars remind us where we've been, they don't have to dictate where we are going.'[/FONT]
    [FONT=Lucida Handwriting, Cursive]We come to love, not by finding the perfect person, [/FONT][FONT=Lucida Handwriting, Cursive]but by learning to see an imperfect person perfectly. [/FONT]
    [FONT=Lucida Handwriting, Cursive]'The happiest people don't necessarily have the best of everything, they just make the best of everything.'[/FONT]
    [FONT=Lucida Handwriting, Cursive]www sonjaecampbell co uk[/FONT]
  • gettingbetter
    gettingbetter Posts: 1,449 Forumite
    Mortgage-free Glee!
    hi

    you could adapt this letter to suit your needs
    remember dont sign it just print your name

    kas xx

    Dear Sir/Madam

    Re:− Account Number xxxxxxxxxxxxxxx

    We are writing to inform you that we are seeking advice and assistance [Enter CCCS / Payplan reference number] regarding our current financial difficulties.

    To this end, we would appreciate if you could hold any action on the above account for a period of at least 28 days.

    Also, during this period, could you please freeze interest and/or any other charges accruing on the above account.

    We look forward to hearing from you as soon as possible.

    Yours faithfully
    br no 188 ;) AD 17th apr 09:D
    :Dmortgage free 22/5/09:D
    :Ddebt free 11/8/09:D
    :j#18 £2 saver = £ :T sealed pot #333
    silent member of mikes mob
    i will lose weight :rolleyes: i will sort my house :o
  • SassyMoneySaver
    SassyMoneySaver Posts: 142 Forumite
    Good luck mate - you seem to be taking the right steps. Hope it all goes well for you.
  • djtwingo
    djtwingo Posts: 43 Forumite
    I have been in touch with my banks and building societies and replies are coming in.

    The Royal Bank of Scotland (I owe approx £1200) have told be that as my payment offered is more than the 2.25% minimum payment, they are unable to freeze my charges/interest. Can anyone suggest an approach that might change their mind?
    [FONT=Lucida Handwriting, Cursive]'Scars remind us where we've been, they don't have to dictate where we are going.'[/FONT]
    [FONT=Lucida Handwriting, Cursive]We come to love, not by finding the perfect person, [/FONT][FONT=Lucida Handwriting, Cursive]but by learning to see an imperfect person perfectly. [/FONT]
    [FONT=Lucida Handwriting, Cursive]'The happiest people don't necessarily have the best of everything, they just make the best of everything.'[/FONT]
    [FONT=Lucida Handwriting, Cursive]www sonjaecampbell co uk[/FONT]
  • Flwriter
    Flwriter Posts: 3 Newbie
    I tried iMoneyManager and found it really helped.
This discussion has been closed.
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