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Advice regarding non responding Creditor
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tranmereforever
Posts: 823 Forumite
Hiya all,
I have a debt for which I have been paying back what I can afford over the last 3 months and will continue onto this month and beyond.
My contact has been with a solicitors who were originally responsive, I sent them a payment plan, this was rejected and they came back with an offer that was double what I could afford. My own plan will have the debt fully cleared within 2 years and is based on my income ( and budget plan through Stepchange )
My issue is that they did not respond to my amended payment plan and I have written to them twice to ask for confirmation that they have received payment with no response- both via recorded delivery
My question is what do I do? I am assuming I keep paying until I hear back from them but am obviously slightly concerned that they are not even acknowledging the payments made to them when asked.
Any advice would be very grateful and appreciated
I have a debt for which I have been paying back what I can afford over the last 3 months and will continue onto this month and beyond.
My contact has been with a solicitors who were originally responsive, I sent them a payment plan, this was rejected and they came back with an offer that was double what I could afford. My own plan will have the debt fully cleared within 2 years and is based on my income ( and budget plan through Stepchange )
My issue is that they did not respond to my amended payment plan and I have written to them twice to ask for confirmation that they have received payment with no response- both via recorded delivery
My question is what do I do? I am assuming I keep paying until I hear back from them but am obviously slightly concerned that they are not even acknowledging the payments made to them when asked.
Any advice would be very grateful and appreciated
July 2015 Wins- Shaun The Sheep Goody Bag, 4x Books
Year to date: £786
Total to date ( Since 2008 ) = £37,345 :eek:
Year to date: £786
Total to date ( Since 2008 ) = £37,345 :eek:
0
Comments
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tranmereforever wrote: »but am obviously slightly concerned that they are not even acknowledging the payments made to them when asked.
How are you making the payments?0 -
Bedsit_Bob wrote: »How are you making the payments?
Hiya,
I am repaying them via bank transfer which is what they asked on the letter to me
I have double and triple checked all the details/ reference are correct and I know the debt is genuine and with themJuly 2015 Wins- Shaun The Sheep Goody Bag, 4x Books
Year to date: £786
Total to date ( Since 2008 ) = £37,345 :eek:0 -
You say it's with a solicitor ?
Which one ?I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
tranmereforever wrote: »I am repaying them via bank transfer which is what they asked on the letter to me.
Good. That provides proof the payments were made.
I trust you keep your bank statements stored safely?0 -
sourcrates wrote: »You say it's with a solicitor ?
Which one ?
Hi it is with Hillyer McKeownJuly 2015 Wins- Shaun The Sheep Goody Bag, 4x Books
Year to date: £786
Total to date ( Since 2008 ) = £37,345 :eek:0 -
Bedsit_Bob wrote: »Good. That provides proof the payments were made.
I trust you keep your bank statements stored safely?
Yes all put to one side and on my online banking statements as wellJuly 2015 Wins- Shaun The Sheep Goody Bag, 4x Books
Year to date: £786
Total to date ( Since 2008 ) = £37,345 :eek:0 -
I'd be tempted to write them a letter stating that if they don't reply within 14 days of the date of recorded delivery, then payments will stop.
Nothing motivates a solicitor like lost money
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I'd continue to make the payments.
A two-year timescale is more than reasonable and they could find a court gives them a worse deal if they went that route.
As long as you agree you owe this, and are happy to repay it at the present rate, just keep on doing what you are doing.0 -
Just to clarify, I didn't mean actually stop paying, just that the threat should provoke a response...0
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Thanks for the responses,
Will pay like normal at the end of the month then will send a follow up letter againJuly 2015 Wins- Shaun The Sheep Goody Bag, 4x Books
Year to date: £786
Total to date ( Since 2008 ) = £37,345 :eek:0
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