Wipeout Studio Catalogue Charges

finshe

Hi could you please comment on my SOA and suggest what offer i should make to studio, and are my business expenses allowed. Thanks:

Statement of Affairs and Personal Balance Sheet
Monthly Income Details
Monthly income after tax................ 850
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 850
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 20
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 75
Clothing................................ 0
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 65
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 40
phone and internet...................... 80
board money............................. 120
business expenses and stock............. 400
Total monthly expenses.................. 820

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
credit card....................3633......109.......23.29
studio catalogue...............1430......178.......44.9
Total unsecured debts..........5063......287.......-

Monthly Budget Summary
Total monthly income.................... 850
Expenses (including HP & secured debts). 820
Available for debt repayments........... 30
Monthly UNsecured debt repayments....... 287
Amount short for making debt repayments. -257
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -5,063
Net Assets.............................. -5,063
Created using the SOA calculator linked to in post 9 above(sorry it wouldnt allow me to insert the link)
Reproduced on Moneysavingexpert with permission, (deleted for security purposes).

finshe

Hi, Could you please comment on my SOA, thanks.

Studio have not provided me the financial statement of my account as they said they would so i want to send them a token payment asap along with a cca request.

finshe

I just want to thank everyone for there comments on my SOA:rolleyes:

But in all honesty thank's for not replying because due to the wait i have been reading more posts regarding these leaches and i am now going to just send Studio a CCA REQUEST and not pay anything until i receive it.
;)

finshe

Update:
I sent the CCA Request

I await there responce.

finshe

Update:
Got a please ring this number post card today.

I believe these are sent by Studios hounds

DarkConvict

If they intend to visit your house they must make an appointment, refuse to do so and say that you do not wish to make an appointment. Also i wouldn't ring, just do everything in writing. If the number is a premium rate like 0845 0870 then that is against OFT guidelines aswell.

finshe

Cheers DarkConvict, i will not be calling them. I wonder why they couldnt have responded to my cca request as quick.

finshe

Update:
Today Studio called asking why i havent payed the minimum and thanking me for the £1 payment, the cheeky blighters have taken my cca request payment off my bill.

They say they have no knowledge of the dispute letter and the cca request which was with the postal order.

I cant believe this lot:mad:

RAS

hi finishe

Missed your SOA previously and will come back.

Did you send the CCA request registered post?

And there is a letter about using the £1 towards the account.

finshe

RAS wrote: »

hi finishe

Missed your SOA previously and will come back.

Did you send the CCA request registered post?

And there is a letter about using the £1 towards the account.

Yes it was sent 1st c recorded and it was signed for the next day. I actually put in the letter to be used only for the cca request and if they couldnt provide one then it should be returned