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Cabot - Your credit file indicates that your situation may have changed letter.. HELP
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Wow thank you guys I would have replied sooner if i'd known I had an update, I did not send an SOA (I used the harassment template).
I will send them a SOA tomorrow special delivery again so that they get it.
Should I use this SOA generator?
http://www.stoozing.com/calculator/soa.php
Also does it matter if I've built up more debt since the other debts? they are all on 0% interest but paying them back, this has also helped credit rating.
How likely is it that they will take me to court
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sourcrates wrote: »Work out what you can afford and tell them your payment will increase to (amount) and you will start paying this from (date).
Don't be bullied into paying more than you can afford despite there threats.
I know you've pretty much written me a template, but is there a pre-set one to use?
Thank you so much sourcrates for all your help so far - truly appreciate it.:beer:0 -
I know you've pretty much written me a template, but is there a pre-set one to use?
Thank you so much sourcrates for all your help so far - truly appreciate it.:beer:
Yes, National Debtline have a range of template letters for various situations.
This should suit you :
https://www.nationaldebtline.org/EW/sampleletters/Pages/Continue-accepting-my-offer-%28sole-name%29.aspx
Your other accounts are non of there business, unfortunately it's impossible to predict which creditors will, or won't take legal action.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 -
sourcrates wrote: »Yes, National Debtline have a range of template letters for various situations.
This should suit you :
https://www.nationaldebtline.org/EW/sampleletters/Pages/Continue-accepting-my-offer-%28sole-name%29.aspx
Your other accounts are non of there business, unfortunately it's impossible to predict which creditors will, or won't take legal action.
I've used this letter actually from CAB, it's ready to sent tomorrow (unless you can tell me why not!) along with my financial statement (still within 14 days).
Pardon the pun but I'll keep you 'posted'!0
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