emailing creditors

claire1011

Hi
is it ok to email creditors when on a payment plan, rather than doing everything by post?

fermi

For just routine things, I would say so. Updates of an I&E etc. Though I would keep an eye and make sure you get a reply or acknowledgement. If you don't then fall back to the post with at least proof of posting, if not more.

claire1011

sorry to sound a bit stupid but what is I&E???

fermi

Income and Expenditure. Or statement of affairs (SOA) if you prefer that phrase.

Lensman_2

What Fermi said.

Plus, do not use email for legal requests for information. (I.E. a CCA or SAR request).

Also realise that an email is far easier to loose than a letter. A hard drive crash could wipe out your whole trail of correspondence for example.

Lastly, some banks (HSBC for one) will not entertain email being used for correspondence. I am actually with them on that. Email is so easy to forge (as are the addresses that email comes from) that the convenience carries a price of reduced security.