I am writing today regarding my account # 000000
I sincerely wish to settle this matter as quickly as possible, however, due to the seriousness of the situation and my current financial position to which I have already advised you of, I have sought advice from OFT on how best to resolve this. I will now only be communicating in writing (email is fine) as I have found your agents to be very bullying and inconsistent in the information they give.
I am quite disappointed by your lack of notice of taking three payments from my account in one day. £200, £150 then £100 was taken from my account on 03/10/2011 without notice or any communication apart from confirmation of payment emails. This money was to pay for other bills and if wasn’t available in my account I would have incurred further bank charges. Instead I am now left with no money make other payments and therefore will be charged and owe out even more anyway. Can you please justify why you have taking each of these payments without notifying me? Also in the email it states that the payment has “been automatically processed by the Toothfairy systems”, could you explain how this works and the reasoning behind the amounts and timing of these payments? I have been made aware that if we have formed and agreement and payment was made that this shouldn’t happen.The OFT have advised me to remind you of the debt collection guidelines:
f. pressurising debtors to pay in full, in unreasonably large instalments,
or to increase payments when they are unable to do so
2.9 Charges should not be levied unfairly
d. applying unreasonable charges, for example, charges not based on actual costs
g. failing to refer on to the creditor reasonable offers to pay by instalments
e. applying charges which are disproportionate to the main debt
and necessary costs
As I have stated in previous emails peoples circumstances can rapidly change which mine have an advised you I am in financial difficulties and am not ignoring you nor am I refusing to pay the £54 per month on the original loan including the interest. I made the agreed payment of £54 on 30/09/2011. However I have been unhappy and sceptic over the amount of charges that have been added from the original balance and have been advised as to attain from yourselves an outstanding balance, along with all fee’s and charges with the reasoning behind them (again email is fine).
I would, prefer to settle these issues quickly and amicably with yourselves without further action on either side. If because I feel what you have done is not correct, and because I am questioning you would ‘fast-track’ my file for a court judgement so be it. I am not refusing to make the agreed payments and am willing to increase this as soon as my circumstances improve in order to pay back what I owe. However, I cannot allow payments to be made in the scenario outlined above whereby you take money from my account without notice and if need be will be seeking further advice on this matter.
I look forward to your considered reply.
DizzleUK wrote: »
They will NOT visit your house. This is a scare tactic.
If anyone from such a company turns up on your doorstep, tell them to Foxtrot Oscar and if they refuse, call the police.
As for the bit in your post that I have highlighted, I doubt this is true. Debt just doesn't get "voided" like that. But as I said, they won't visit anyway.
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