demands for proof of illness letters

burntfingers_2

Hi peeps

I have several outstanding debts on credit cards. I recently sent out an updated financial statement showing that I could only realistically afford a token payment of £5 per month which I have been paying for over a year now without fail.

Restons solicitors on behalf of MBNA have written stating that they want proof of my illness which is anxiety and stress which occurred during a domestic violent marriage.

The question is can they actually insist of me providing this information? I have had to contact my doctor requesting that he write me a letter. I feel that this is an invasion of my privacy and do not feel comfortable with giving them this information but they have stated that if I do not give them this information by the 25th May they will proceed with legal action...this has made me feel more anxious even though I know that I will not go to court, and its not a criminal offence etc....

any ideas anyone??

thanks

bf

bengal-stripe

burntfingers wrote: »

......they want proof of my illness which is anxiety and stress.........I feel that this is an invasion of my privacy and do not feel comfortable with giving them this information

But it must have been you in the first place, who’d mentioned anxiety and stress.

Or did the solicitors plug that out of thin air?

redpete

If you are using a medical condition as a reason for changing the agreed repayment schedule on a debt then why shouldn't the lender expect to see some evidence that what you claim is correct?

KingElvis

MBNA are always keen to collect their debts, they've been warned in the past about it by the powers that be.

To save trouble, and if you can get it, I would just give them what they want and let them chew on it.

Good luck........

chattychappy

It's not really an invasion of your private life - you have already given these reasons to them. They are simply asking for evidence.

burntfingers_2

bengal-stripe wrote: »

But it must have been you in the first place, who’d mentioned anxiety and stress.

Or did the solicitors plug that out of thin air?

Yes I told them that I was a victim of domestic violence and that I was finding it difficult to cope with everyday life and that I couldn't bring myself to speak about the situation over the telephone.

chanz4

it only strenghthens your case for lower payments, it could really help a lot

brewerdave

Try thinking about your situation logically from their point of view - if you were owed money by a third party would YOU accept such an excuse with no supporting evidence???

Dave101t

invasion of your privacy, you realise your using THEIR money?

redpete

burntfingers wrote: »

Yes I told them that I was a victim of domestic violence and that I was finding it difficult to cope with everyday life and that I couldn't bring myself to speak about the situation over the telephone.

A doctor's letter could well give away less information about you than you have told them yourself.

lisyloo

Unfortanately there are a lot of people that make fradulent claims.
They can simply not take your word at face value.
I am not sure in what way this is an invasion if you have already told them the problem.
Just agree to the letter.