Letter to a creditor.

tornpaperdoll

Hi,

Was wondering if someone could help me, or point me in the direction of a standard stock letter that might be of use.

I owe just over £1,000 to Robinson Way. They have put a hold on this account of four weeks and have asked me to supply them with a proposed payment plan. That is fine.

I am signed off long term sick and that is not going to change any time soon, so I don't have huge sums of money floating around. I intend offering a manageable amount to them each month once I have worked out my budget. Do I need to send them a copy of my budget or will they be happy to accept that £x is all I can afford?

Also, I want to offer £x per month but some months I might be able to afford to pay extra on top of the agreed sum and want to make sure that this is OK with them and I am not going to get charged for clearing the account earlier (this happened to a friend) so how would I word that?

Thanks in advance.

I have lurked around here for a while and learnt a lot from you guys.

RAS

Do you owe £1000 to RW?

Have you sent a CCA? And how old is the debt?

Other will help if you can let us know.

tornpaperdoll

The actual debt is £1,086.50 and it is from Southern Water. They passed the account onto Robinson Way.

It dates back to about 2004 - to present, including water bill to March 2009.

No, no CCA as I was told this is not applicable to water services. This is my debt, I don't argue with that and I intend paying it back. Just want to go about it in the best way.

tornpaperdoll

Anyone have any help?

Thanks.

stapeley

Hi, All you can do is explain the situation ,and make your offer . You should only offer a easily managed amount .