Help required with large Persistent Credit Card Debt. Have had a recent first Default.

theville32

https://forums.moneysavingexpert.com/discussion/comment/81899941#Comment_81899941

Hi Rhibi, thanks for your comment. How does this work, do they say out loud who they are before been connected? I have an Android phone so will look into if they have a similar feature. Thanks!

theville32

https://forums.moneysavingexpert.com/discussion/comment/81901951#Comment_81901951

Hi sourcrates, thanks for your reply. I have looked on their website but cannot find any templates on there. Also, it is a bit difficult to search as I don't really know what to search for. Any chance of some help?

https://ico.org.uk/for-the-public/

It would also be great to get some template letters for contacting the banks to ask for original paperwork/agreements as well as any info on how to question if they were involved in irresponsible lending. I definitely should not have been given access to more credit, when it was obvious I was strugglign to pay more than minimum payments. However, how do we prove historical irresponsible lending (other than going through credit card statements/credit reports at the time (if possible to search historical credit reports)?

Would it be possible to have the appropriate template letters added to this forums resources somewhere, so they are easy to find for people in debt?

Any help greatly appreciated as always. Thanks

sourcrates

Information and template letter to instruct organisations on how they can use your data:

Updated by Sourcrates September 15th 2024.

Letter to send to creditors asking for all contact to be in writing only.

Dear lender (insert name of company)

(add address/date etc)

Account/reference number xxxxxxxxxx

Under the GDPR (General Data Protection Regulations, I am free to choose how you are to contact me.

With that in mind, in future I request that all contact between us must be in writing only.

Please update your systems to reflect this change with immediate effect.

Yours sincerely

A N OTHER.

CCA request template letter can be found here:

National Debtline | Sample letters - Information about your agreement under the Consumer Credit Act | National Debtline

RhiBi

https://forums.moneysavingexpert.com/discussion/comment/81903558#Comment_81903558

it doesn’t say anything out loud, it comes up on my phone as a message and I can choose to answer or not. My phone doesn’t even ring so often I’ve not even realised that someone has tried to phone me until later.