Help with letter template

Izabel

We're getting a lot of hassle from MBNA (I understand they just want there money).

My partner has had 8 - 10 conversations with them over the last month, where he normally ends by putting the phone down as the conversations go round and round in circles. Also getting 2 - 3 letters a week, as he doesn't answer the phone to them anymore.

They won't accept what we can afford, they've had the budget but tell us the figures don't add up etc (I've sent them the printed copy from CCCS) They keep telling us we've got to cut our spending on food, fuel etc. I've already cut it as far a pos, got 2 young children to feed.

I just want to know if anyone has a strong worded template of a letter I can send that says 'this is all we can afford'. I've sent some of the template available but it's not making any difference, they just aren't listening to what we can afford to pay.

Thank you.

fermi

Is your partner going bankrupt? If they are then it doesn't matter much.

If not, then just keep sending what you can afford and have a good read through the factsheet below. It has advice and ideas for letters.

Link: Factsheet | What if a creditor refuses my offer of payment?

CCCS_Matthew

Izabel,

I would advise to stick by your guns and pay what you have been advised by us regardless of whether MBNA like it or not and simply do not discuss it any further with them.

You mention on another thread that you've booked an appointment at Sheffield County Court. I'm assuming that you mean you are petitioning for your own bankruptcy, in which case, the debts will be written off anyway in due course so I really wouldn't worry about trying to keep your creditors happy at this stage.

Regards,
CCCS

Izabel

Thank you.

We do intend to go BR hoping to have everything in place for the start of May.