Bank of scotland debt ...

monkeylowprofile

Allan_r_123 wrote: »

Are you paying their full monthly mortgage/rent payment?!

You could live in your own home and pay bills for less than/the same as that to be honest mate.

Well living in London is not cheap and the addtional exspense of moving would work against us .

Have just gone through the questionare on CCCS and it says we qualify for help with dealing with this issue so feel a little better now .

monkeylowprofile

monkeylowprofile wrote: »

Well living in London is not cheap and the addtional exspense of moving would work against us .

Have just gone through the questionare on CCCS and it says we qualify for help with dealing with this issue so feel a little better now .

Wating to hear back from BOS ref the letter i sent regarding my situation and if they would enter in to a payment arrangment ..although in the mean time i have defaulted on one more payment .

monkeylowprofile

well as of today i have had NO acknowledgment of the letter i sent BOS early October but since then i have had missed calls every day form an 0845 number which i suspect is them , now i am sure i have never given them my number so how did they get it ?

antonia1

Hi, I agree, living in London is not cheap! So less than £600 in rent for both of you including bills is pretty good IMO. However, your SOA doesn't include any income for your wife, could she look into getting a job? If the £200 groceries is just for the two of you it can be reduced quite a bit. My grocery spend has gone down from £150 for just me to £120 then £100 then £80. I think I could get it lower if I didn't buy treats like wine and dessert.

footiemom

hi i have had problems with bank of scotland they are very bad at getting back to you, I am on a dmp with cccs and it took 3 letters from me and 2 from cccs to get anything back from them in regards to a payment plan i would write again send it with proof of posting as they may say they havent received anything from you. In regards to the calls you can look at a website called "whocallsme" and if you put in the number it will show you who its from I have used it before. I hope this helps

good luck in your debt free journey

footiemom

monkeylowprofile

footiemom wrote: »

hi i have had problems with bank of scotland they are very bad at getting back to you, I am on a dmp with cccs and it took 3 letters from me and 2 from cccs to get anything back from them in regards to a payment plan i would write again send it with proof of posting as they may say they havent received anything from you. In regards to the calls you can look at a website called "whocallsme" and if you put in the number it will show you who its from I have used it before. I hope this helps

good luck in your debt free journey

footiemom

08456016304 is the number ....1 call every day since for the last 2 weeks to a mobile and i suspect just as many to the landline...read somewhere on here about a section 10 letter which asks them to send letters only ?

footiemom

yes its bank of scotland the number was familiar to me!! you need to write to them again asap, you can also send a letter asking for them to contact you in writing only. You might find they send a card to you saying one of their agents is going to phone you at such and such a time did this to me but never phoned!! end of the day you need to make contact i would advise you to speak to cccs if you havent already, best thing i ever did. The sooner you get in touch with them again, fingers crossed they will come to some arrangement with you and they calls will stop. hope this helps

footiemom

monkeylowprofile

footiemom wrote: »

yes its bank of scotland the number was familiar to me!! you need to write to them again asap, you can also send a letter asking for them to contact you in writing only. You might find they send a card to you saying one of their agents is going to phone you at such and such a time did this to me but never phoned!! end of the day you need to make contact i would advise you to speak to cccs if you havent already, best thing i ever did. The sooner you get in touch with them again, fingers crossed they will come to some arrangement with you and they calls will stop. hope this helps

footiemom

well i sent them a copy of my orginal letter and also a harrasment letter copy from national debtline website by recorded delivery which they recevied but 3 calls since then ?

dont see why its do hard for them to reply in writing instead of numerous phone calls ??

any advice ?

monkeylowprofile

footiemom wrote: »

yes its bank of scotland the number was familiar to me!! you need to write to them again asap, you can also send a letter asking for them to contact you in writing only. You might find they send a card to you saying one of their agents is going to phone you at such and such a time did this to me but never phoned!! end of the day you need to make contact i would advise you to speak to cccs if you havent already, best thing i ever did. The sooner you get in touch with them again, fingers crossed they will come to some arrangement with you and they calls will stop. hope this helps

footiemom

well after nearly 80 plus calls from them i recevied a letter apoligizing along with a promise for all further contact to be made by letter .....they also enclosed a cheque for £25 as there service has not been up to there usual standard .....although i am still yet to have any letters acknowleding my situation and offers of payment plan etc etc

antonic

Yes thats BOS for you !.

Did the same to me until I entered my DMP, since then the only contact is by post.

monkeylowprofile wrote: »

well as of today i have had NO acknowledgment of the letter i sent BOS early October but since then i have had missed calls every day form an 0845 number which i suspect is them , now i am sure i have never given them my number so how did they get it ?