Debt - Inter-Credit International

ShaneMW

I am currently dealing with Inter-Credit International after being made redundant and falling severely into debt.

I had set up a repayment plan with them however a single payment was missed owing to the fact I was left temporarily without money after my benefits were changed from Jobseekers Allowance to Employment Support Allowance due to my being diagnosed with severe depression and agoraphobia. On my benefits being dealt with, I contacted the company to arrange payment however they have stated that they will not reinstate my repayment plan due to me 'dishonouring' the plan and are demanding the money in full. I have attempted on numerous occasions to deal with this by phone however I am met with the same response and further demands for the amount in full each time I call.

I have since contacted the company on 5 occasions via email advising them of my situation and even providing them with proof of my current financial situation/income & expenditure forms etc. and yet I receive no response from these emails and the company continues to contact me several times a day on the phone and via letter.

I feel that other than paying the amount in full, which I am in no financial situation to do, I have exhausted every possible way to deal with this matter. Does anyone have any advice on what to do to rectify this matter?

ValHaller

About all you can do is to continue to pay them. Are they actually refusing to take any payment?

addyboy1982

Sorry to hear of your situation.

If I were you, I would write to them explaining the situation, including copies of all relevant documentation, and also request that they desist from contacting you by phone as you would like all further communication to be in writing - that's post, not email.

Hope you get it sorted.

ShaneMW

ValHaller wrote: »

About all you can do is to continue to pay them. Are they actually refusing to take any payment?

No, they are not refusing payment however are requesting more than that was arranged, which owing to my situation I cannot afford. The amount for the repayment plan that was reached was after taking into account my income and expenditure, however was still more than I can really afford.

Do you suggest that I continue to pay the previously agreed amount in order to show I am attempting to repay my account?

ValHaller

ShaneMW wrote: »

Do you suggest that I continue to pay the previously agreed amount in order to show I am attempting to repay my account?

Absolutely. Unless you have decided to default (there may be valid reasons to decide to do this).

Keeping up to date with an agreed payment plan is a strong point in your favour if it goes to court - you can accuse the other side of acting in bad faith by reneging on an agreement. At the moment, you would be seen as acting in bad faith for missed payments - you only have excuses to offer - or at least that is how you might be portrayed. The creditor would probably like you to be in breach of the agreement, just as an excuse to take you to court.

matttye

Keep copies of all of the e-mails you've sent to them.

I agree with ValHaller, just keep on paying them as you are doing.

You should make a complaint to the Office of Fair Trading because trying to pressurise debtors into paying more than they can afford is against their debt collection guidance.

I would probably write back to the company telling them that you have done this as well.