Need help ASAP

prozacthegigglefairy

Hi all

I need help compiling a letter if possible.
Hubby took out a loan with Welcome Finance two years ago, and we fell behind on the payments last year.
After constant phone calls, harassment and threatening we agreed to pay £25.00 per week, which up until recently was fine.
I have since become ill, need a hysterectomy and am going for a biopsy next week to test for cancer, so am not working at the moment.
as a result of this, we can not afford £25.00 a week, and have cancelled the Direct Debit today, we have tried to call and explain but never get an answer from the person we need to speak to, so have done it anyway.
We want to offer £10 a week, but need to writre a letter that sounds like we know our stuff when it comes to how much we can afford, what they can or can't do about it, what is acceptable as harrasment, and that we no longer want them to contact hubby at work (this was so bad last time he was given a disciplinary at work for constanrtly receiving non urgent calls!!!)
I also want to request an official statement of account and under what law we are entitled to it, because when we have ever requested one, they havent sent it, giving us the same "computer is down" excuse.
To this day, we don't know how much we owe, at what rate of interest, or if indeed the £25.00 a week has made a difference to our balance.
I felt unhappy agreeing to anything after the way they treat us last time, and was just as happy to let them go stew for there money...thats putting it nicely too.
I am dreadin the aftermath of this, and because I am ill at the moment, feel drained, so need to know what to say and tell them to prevent the same thing happening again

Can anyone please help us

smashedbooboo

Hi hun, Cant give you m uch advice on this but someone will be along soon that will be able to help. Maybe Fermi is online. I just wanted to make sure this post does not drop off front page. So am bumping it up for you. Please do not worry too much chick. There is lots of help and support here. xxxxx

RainbowChild_2

Like smashedbooboo said someone will be along soon to help. There will probably be a template letter that you can use.

BUMP

prozacthegigglefairy

Thanks for the support, just stressed out completely at the moment, and really don't know what we are going to do if they start harrassing us again.
Doesn't help that Hubby is stressed, and the more he stresses about money, the more I do...could cry at the moment!
This afternoon our electric supplier has been out regarding a debt on the account, explained situ and he was really good, and is fitting a pre payment meter, but he says the lowest they can take is £10 a week cos hubby is working, which means even with reducing Welcome payment, we are now back to square one....bloody typical, just wish I felt well enough to work, and I feel so guilty that I am not contributing financially now...feel such a failure.

Sorry, I am rambling I know.

RAS

hI

You really would be advised to talk to one of the debt charities

See here http://www.moneysavingexpert.com/loans/debt-help-plan#help

They may also be able to let you have a letter template.

Also since you are not working, check whether your OH can claim any extra benefits here www.entitledto.com

smashedbooboo

Get in touch with electric supplier. Its a load of bowlarks they can only accept 10.00 a week. I went on to a pre payment meter and i was only paying 5.00 a week towards my debt. Ras is right though get in touch with one of the debt help people. Please dont stress too much babe. I found it that stressing out is just not productive. It only makes you feel worse. So chin up and lets sort this mess out. It can be done. x x