Template letter requesting to be told the full amount of money owed for every debt??

Firey668

Ive got roughly £9,000 debt spread between 2 creditcards, 2 overdrafted debitcards, and my british gas account.


All 4 cards have been passed to collection agencies about 12-18months ago.
(Im not sure the names of the agencies though as i ignored all their letters, and they gaveup trying to phone me about 6months ago)

But im almost certain that all interest has been frozen on all 4 cards now though.


And on British gas its currently £290 outstanding bill (that was from about 2weeks ago),
and they bill me every 3months,
so by the time i manage to saveup the £90 for the debt relief order itl be 1-2months,
so will be roughly £390 outstanding.



Does anyone have any link to a template letter that you can just send to all the creditors requesting to findout to the full amount owed though please?


And 2ndly does anyone know where exactly you can get teh financial funding help to get that £90 to pay for the DRO?




Thanks

carol01

Firey668 wrote: »

Ive got roughly £9,000 debt spread between 2 creditcards, 2 overdrafted debitcards, and my british gas account.


All 4 cards have been passed to collection agencies about 12-18months ago.
(Im not sure the names of the agencies though as i ignored all their letters, and they gaveup trying to phone me about 6months ago)

But im almost certain that all interest has been frozen on all 4 cards now though.


And on British gas its currently £290 outstanding bill (that was from about 2weeks ago),
and they bill me every 3months,
so by the time i manage to saveup the £90 for the debt relief order itl be 1-2months,
so will be roughly £390 outstanding.



Does anyone have any link to a template letter that you can just send to all the creditors requesting to findout to the full amount owed though please?


And 2ndly does anyone know where exactly you can get teh financial funding help to get that £90 to pay for the DRO?




Thanks

hiya read your thread but didn't just want to run
can you not go to experian and get your credit score and see what balances are still outstanding hope this helps

fatbelly

Firey668 wrote: »

Does anyone have any link to a template letter that you can just send to all the creditors requesting to findout to the full amount owed though please?

Thanks

I don't have a template but that would be a simple letter to put together and put that question to your original creditors.

It is important that you do your research to get the relevant reference numbers, current balances and find out who is actively pursuing each debt.

You will (as just mentioned) need a copy of your experian report as the DRO unit check your application against it.

The fee can be paid in instalments at the Post office, so you may not need help with it. However, there may well be charities local to you who could help or chip in, and your local CAB is probably your best source of information on this.

Firey668

fatbelly wrote: »

I don't have a template but that would be a simple letter to put together and put that question to your original creditors.

It is important that you do your research to get the relevant reference numbers, current balances and find out who is actively pursuing each debt.

You will (as just mentioned) need a copy of your experian report as the DRO unit check your application against it.

The fee can be paid in instalments at the Post office, so you may not need help with it. However, there may well be charities local to you who could help or chip in, and your local CAB is probably your best source of information on this.

Thanks.


I tried to get my credit report for free once before, however it got very messy as they said id have to fill in a form and send it off to them as they needed more information about me.

But as i only would have it free for 30-days i didn't want to risk having to pots it off, 30days pass and they still not have finished processing my info.


Plus all those 4 creditcards were taken out over 3years ago,
and since then ive not only moved address,
but have also changed my surname.

So it will be very hard for me to link my current self back into proving i am the same person.



Ive printed off the change of address form for the banks that the cards were with, and am going to fill it in and post it to the bank tomorrow.

However will the bank automatically update all the debt-collection agencies to putting all letters and accounts to my new current address??



And will the DRO have to write off the debt against the debt-collection agency, or against the bank??

As i don't know if the debt has actually been sold away from the bank and so no longer anything to do with them,
or if the DCA is simply working on-behalf of the bank to try getting the money and giving it to the bank.




Thanks

Firey668

Ive written this as my letter which i will post to experian and equifax-

[FONT=Verdana, sans-serif]Re: Request to change name and address on credit report[/FONT]

[FONT=Verdana, sans-serif]Dear Sir or Madam,[/FONT]

[FONT=Verdana, sans-serif]My credit information with your company current is currently held under my former name:[/FONT]
[FONT=Verdana, sans-serif]Full pre-marriage name.[/FONT]
[FONT=Verdana, sans-serif]However, I have recently married and now am legally known as:[/FONT]
[FONT=Verdana, sans-serif]Full married name.[/FONT]

[FONT=Verdana, sans-serif]This letter is my formal request that you change your records to reflect my new legal name.[/FONT]

[FONT=Verdana, sans-serif]In addition to my new name, your data should indicate my new address. [/FONT]

[FONT=Verdana, sans-serif]Below I have listed, along with my National Insurance number, my new current name and new current address to which my records should be changed:[/FONT]

[FONT=Verdana, sans-serif]New full current name[/FONT]
[FONT=Verdana, sans-serif]National Insurance Number[/FONT]
[FONT=Verdana, sans-serif]New mailing address[/FONT]

[FONT=Verdana, sans-serif]If you have any questions about these changes, you can contact me by mail at my new[/FONT]
[FONT=Verdana, sans-serif]address or by telephone at work phone number during business hours.[/FONT]

[FONT=Verdana, sans-serif]I also am enclosing my Deed-Poll name change document and a copy of my p45 form.[/FONT]

[FONT=Verdana, sans-serif]This will verify my name change and address change, [/FONT]
[FONT=Verdana, sans-serif]and ensure accurate spelling on my updated credit report.[/FONT]

[FONT=Verdana, sans-serif]Please can you confirm to me in writing once you have implemented these changes to my record.[/FONT]

Thankyou




Will that be sufficient for them though please?

Firey668

And ive written this letter to request all the info about the balances outstanding, and the exact collection agency who is dealing with each account.


Have i missed any bullet points or data requests out though please??


[FONT=Verdana, sans-serif]Re account numbers:− 456322 , 43, and 34444

Dear Sir/Madam

Thank you for your letters concerning the above accounts,
however I do not acknowledge the claim.


So please supply me with a full breakdown of the current outstanding balances that you are claiming is owed for each of the above accounts.


And in addition,
in order for me to respond and deal with the matters you raised, I would request that you supply me with data relating to the following points:[/FONT]

• [FONT=Verdana, sans-serif]When did the arrears begin?
  [/FONT]
• [FONT=Verdana, sans-serif]When was the last payment made on each of the accounts?
  [/FONT]
• [FONT=Verdana, sans-serif]Is any interest, penalty charges, or any other fees being added onto the current claimed balances,
  and if so please specify the details of the rates and amounts.[/FONT]
• [FONT=Verdana, sans-serif]Have you sold the accounts onto any 3[/FONT][FONT=Verdana, sans-serif]rd[/FONT][FONT=Verdana, sans-serif] party agencies, relinquishing yourself from all involvement with the accounts?[/FONT]
• [FONT=Verdana, sans-serif]Have you instructed any 3[/FONT][FONT=Verdana, sans-serif]rd[/FONT][FONT=Verdana, sans-serif] party agencies to act on behalf of you to attempt collection of the claimed outstanding debts?
  
  And if so please specify the full name and address of each agency you have instructed?
  The account which they specifically have been instructed to attempt and collect for?
  And the exact amounts that they have been instructed to collect as the claimed outstanding balance for each account?
  [/FONT]

[FONT=Verdana, sans-serif]Please supply me with a full breakdown of the balances claimed for the above accounts,
and the specific answers relating to the data requested in the above questions.

[/FONT][FONT=Verdana, sans-serif]
I look forward to receiving your reply as soon as possible.
[/FONT]
[FONT=Verdana, sans-serif]
Yours faithfully[/FONT]

fermi

May wish to add:

"As you are aware, failure to provide when requested, details of the up to date balance and status of a debt is a breach of OFT guidelines on debt collection".

fatbelly

Firey668 wrote: »

I tried to get my credit report for free once before, however it got very messy as they said id have to fill in a form and send it off to them as they needed more information about me.

But as i only would have it free for 30-days i didn't want to risk having to pots it off, 30days pass and they still not have finished processing my info.


Plus all those 4 creditcards were taken out over 3years ago,
and since then ive not only moved address,
but have also changed my surname.

You do need to sort this out with the agencies. The statutory report costs £2 and you will have to complete a form giving all your recent addresses and names that you have used. I don't think they need NI nos or deed poll details

The links in this post may help

http://forums.moneysavingexpert.com/showpost.html?p=30574859&postcount=2

Firey668

fermi wrote: »

May wish to add:

"As you are aware, failure to provide when requested, details of the up to date balance and status of a debt is a breach of OFT guidelines on debt collection".

Thankyou. :beer::T


Can i also ask your help with 1 more thing please that im just curious about-

What checks are done on you at the end of the 12months after DRO started??


Like do the InsolvencyService check everyone's PAYE file as standard to check that the person hasn't start earning money from a job at any point during those 12months?

Or are there no checks done / they not physically able to check the PAYE system to see your file?




Thanks

Firey668

fatbelly wrote: »

You do need to sort this out with the agencies. The statutory report costs £2 and you will have to complete a form giving all your recent addresses and names that you have used. I don't think they need NI nos or deed poll details

The links in this post may help

http://forums.moneysavingexpert.com/showpost.html?p=30574859&postcount=2

Thankyou sooo much for being so helpful. :beer::)

I don't currently have a cheque book though as i do all my banking online, or pay for services by cash,
so never need to write cheques.



However will they accept the £2 payment in coins enclosed in the letter??

Or will i have to get a postal order for it?




Thanks

Numpty_Monkey

Send postal orders,
Its never a good idea to send cash in the post