natwest and t-mobile debt collections

antony85

i am currently trying to get my financial situation sorted, i have agreed with many of my creditors repayment plans but some still arent getting the message!

chantry collections are recieving £5 a month (owe £395

littleswoods (under 5 names, gus, empire etc) are recieving whatever they ask for next month, all under £20 under that 3 year repayment plan they do, (over £1200+)

capital on aint bothering with payment only £5 a month anyway

natwest currently recieving £0 , ive sent them 2 letters, explaining im doin a self help DMP sent them a token payment on 15th feb, explaining that is all i could give them, until 1st may, in which i will start paying £20 a month towards the £2,700 overdraft debt. they keep sending me letter saying if i dont make contact they will pursue the debt on the 30th april, ive rung they on many occasion, they claim to not have hear from me still ! they sent me today a notice of some sort, under section 76(1) and 98(1) of the consumer credit act 1974 and have charged £30 for the privilige! for that price i was expecting it to be printed on 24ct gold paper !

also t-mobile sent me bill for £148 (3 months unpaid,) n say if that paid by 18th all is well n good, if not, debt will be passed to buchanan clarkes and wells, or sumfin

all i can afford to pay them is £10 a month, but its cotracted at £49 a month


what should i do with natwest and t-mobile, cos they starting to bug me now ! and help or advice will be miuch appreciated.

a.smith

Tixy

If you are doing a self managed DMP are you splitting the total amount you can afford pro-rata between your debtors?
It doesn't sound like it if you are offering £10 against a £148 debt and £20 against a £2700 debt.

How have you worked out what you are offering them all?

Have you shown your creditors an income & expenditure account - you would need to for them to accept a DMP.

If you are paying less than the minimums its pretty standard that you will get defaulted by your creditors. The notice you have received is what they legally have to send before they can enter a default on your credit report.

Have you spoken to one of the debt charities at all? are you using template letters from one of the charities?