What do I do now??

SkintnScared

Hi all

Ok so Ive been sorting out my debts of recent and all creditors have accepted my payments apart from Keyes Whitlock (originally a payday loan.)

They keep saying that they will only accept £20 per month minimum and I just dont have that.

Ive sent (and re-sent) the reconsider letter off the NationalDebt website and dont know what to do now??

Any suggestions would be much appreciated as Im on the verge of just accepting the £20 as I dont know what to do?

Many thanks

SnS

Numpty_Monkey

If they won't accept it just send them the payment you can afford
ask the for their bank details to set up a Standing Order,
DO NOT set up a Direct Debit
they will accept it in time, if not you have the proof that you have been paying back what you can

SkintnScared

Hi Numpty

Many thanks, I have asked for their bank details many times, as have set up SO’s for all my others. They just keep coming back with the same……..’we will not accept anything less than £20’……….aaaaargh!

I don’t have a cheque book and didn’t really want to pay with PO as it will cost even more…………….please do you have any other suggestions for how to pay??

Many thanks again

SnS

jintyb

How about asking them for pay in slips, then you can pay in cash over the counter at bank/post office.
Other than that, just insist that a SO is the only way you can pay, keep a copy of all letters etc. Also, you could ask your CAB for advice.
Hope this helps

SkintnScared

Thanks Jinty, Ill keep asking them.....its just so frustrating when they keep sending the same email back again and again........Im trying to pay and they just wont help!

Sorry, rant over

Thank you for your advice!!

SusieT

Other than whats already been said, the other thing to do is to write to them (recorded delivery) so that you get something back from them in writing, that way there is a paper trail rather than emails if you need it later.
Hope you are able to obtain their bank details so that you can set up an affoordable payment so that you can prove you were sticking to what you said you can afford.