I've managed to get into debt with a CC, and have been in constant communication with them. So far over the last 3 months i've written 3 letters, and at their request, have sent in an income / expenditure list, which states exactly how much i have spare at the end of the month. They have acknowledged the Exp/Inc list, but say its not enough.
Quite seperately, i;ve been getting phone calls at all hours of the day, including Sundays, from the same company telling me i should pay the outstanding amount, like they have never heard from me.
At the start of all this, i contacted Payplan who help with these matters, unfortunately, they've done very little except give me a link to that Exp/Inc form template which i duly filled out and sent off, as noted above
I have a letter here now, from some bod by the title of " head of pre-litigation " . The threat in the letter states:
Threat 1
" Possible county court Judgement "
Threat 2
"My employer being ordered by the court to make deductions from my meagre wages through an ' attachment of earnings '
Threat 3
" A Bailiff being instructed to recover my goods "
Threat 4
" A charge on my property " ...i dont own a property so i suspect this last one is redundant.
Are all these legal ? And why are they pretending on one hand to review a reduced payment plan ( this was something i asked them in one of my letters, and subsequently, why i sent them the Exp / Inc list they asked for ) and then on the other hand, i get phone calls at work, at home, at weekends, asking why i havent paid all the backlog off ?
Quite seperately, i;ve been getting phone calls at all hours of the day, including Sundays, from the same company telling me i should pay the outstanding amount, like they have never heard from me.
At the start of all this, i contacted Payplan who help with these matters, unfortunately, they've done very little except give me a link to that Exp/Inc form template which i duly filled out and sent off, as noted above
I have a letter here now, from some bod by the title of " head of pre-litigation " . The threat in the letter states:
Threat 1
" Possible county court Judgement "
Threat 2
"My employer being ordered by the court to make deductions from my meagre wages through an ' attachment of earnings '
Threat 3
" A Bailiff being instructed to recover my goods "
Threat 4
" A charge on my property " ...i dont own a property so i suspect this last one is redundant.
Are all these legal ? And why are they pretending on one hand to review a reduced payment plan ( this was something i asked them in one of my letters, and subsequently, why i sent them the Exp / Inc list they asked for ) and then on the other hand, i get phone calls at work, at home, at weekends, asking why i havent paid all the backlog off ?
