Seeking advice for my disastrous debt

DebtFreeWannabe27

A question occurred to me this morning...

At what point do I contact my lenders and request correspondence be made in writing? Should I be doing that now that I've missed one payment? 

enthusiasticsaver

Yes I would do that now. 

Superhoopza

@DebtFreeWannabe27 I'm going to PM you now.

DebtFreeWannabe27

Anyone have a letter template I could use please for requesting all correspondence be by email. @sourcrates @Emmel

sourcrates

Why not try -

"Please only contact me by email"

regards.

@DebtFreeWannabe27

Don`t overthink things. 

Emmel

DebtFreeWannabe27 said:

Anyone have a letter template I could use please for requesting all correspondence be by email. @sourcrates @Emmel

Sorry I don’t. I just ignore my mobile to unknown  numbers and we don’t have a landline. This was also my main reason for disclosing my debt to DH. Remember though, there are some letters than need to legally arrive by snail mail

EssexHebridean

I think the main things to remember here are to ensure that you don't give them any more detail than they already have - so keep it very simple. Sign off with your first and surnames, write your address precisely as they have it already. Don't be tempted to add anything else that they don't already have, and if you are sending any hard copy letters personally I would not be inclined to use my "normal" signature. Just print your name. This avoids the risk of signatures being reproduced to create "documents you have signed" as you will then know immediately if they try that! 

Literally though as Sourcrates puts it - just a paragraph instructing them on your requirements is all that is needed. I would also add that further telephone calls will be viewed as harassment. 

DebtFreeWannabe27

Does anyone have an email address for virgin money please? I can't find one and they've started trying to call me. I need to ask them quickly to maintain contact only in writing. TIA

2021rdsunshine

So sorry I don’t have their email address. 

For now, just block their number from your phone. Anything that is legally important for them to tell you, they will have to write to you. Phone calls are just the first thing they do to persuade you to engage with them and pay. 

DebtFreeWannabe27

2021rdsunshine said:

So sorry I don’t have their email address. 

For now, just block their number from your phone. Anything that is legally important for them to tell you, they will have to write to you. Phone calls are just the first thing they do to persuade you to engage with them and pay. 

Thanks. I've blocked the number after they trying ringing me for the 3rd time today, and it's a bank hol!