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  • furryboo
    replied
    Re: Debt and Loan Help Pleazzzzzzee.......

    I will reply pointing that out!

    Thanks

    furryboo

    Leave a comment:


  • mgfboy
    replied
    Re: Debt and Loan Help Pleazzzzzzee.......

    Originally posted by furryboo View Post
    2nd reply: -

    Dear,
    Many thanks for taking the time to contact us to explain your current situation.
    In order for us to fully respond to your request we do require confirmation of your condition from a medical professional. As such, please provide us with a signed letter or certificate from your General Practitioner (or the medical professional responsible for your care) confirming your current condition we will be able to look into this matter further and see what we are able do to assist you.
    Please fax the requested documentation to 0845 127 4365. If you are unable to provide this documentation via fax, we are able to accept it via email (in either a JPEG or PDF format). Our email address is: documents@paydaycontact.co.uk.
    Kind Regards,

    I presume there are being a little cheeky request this information?

    Thanks

    furryboo
    I think they are being very cheeky , on what grounds can they possible ask form such info ( unless you have some sort of PPI) and dont they know that they GP will charge for it!!!

    Leave a comment:


  • furryboo
    replied
    Re: Debt and Loan Help Pleazzzzzzee.......

    2nd reply: -

    Dear,
    Many thanks for taking the time to contact us to explain your current situation.
    In order for us to fully respond to your request we do require confirmation of your condition from a medical professional. As such, please provide us with a signed letter or certificate from your General Practitioner (or the medical professional responsible for your care) confirming your current condition we will be able to look into this matter further and see what we are able do to assist you.
    Please fax the requested documentation to 0845 127 4365. If you are unable to provide this documentation via fax, we are able to accept it via email (in either a JPEG or PDF format). Our email address is: documents@paydaycontact.co.uk.
    Kind Regards,

    I presume there are being a little cheeky request this information?

    Thanks

    furryboo

    Leave a comment:


  • Never-In-Doubt
    replied
    Re: Debt and Loan Help Pleazzzzzzee.......

    Originally posted by furryboo View Post
    lol!!!

    Very brave! I have had a reply already from Pounds to Pockets. Please see below: -

    In response to your query, at this time we can not set up a payment plan on your account. Pounds to Pocket does not offer the ability to freeze an account or interest, as well as we can not change monthly payment amounts. We do apologize for any inconvenience for any financial hardships you are experiencing. At this time in order to better assist you and to prevent the account from going into default, we can offer a one time courtesy adjustment rescheduling your March payment. Payment # 2 can be rescheduled from the 28th of March 2012 to the 28th of February 2013. If this is something of interest to you please respond immediately in order to make the appropriate adjustments.

    What do you think?

    furryboo
    write back and remind them that the OFT guidelines suggest that lenders work with debtors to reduce arrears and how, if they don't offer repayment plans, they plan on meeting this criteria....

    leave it at that, be very vague.... (let them dig a deeper hole)

    Leave a comment:


  • furryboo
    replied
    Re: Debt and Loan Help Pleazzzzzzee.......

    lol!!!

    Very brave! I have had a reply already from Pounds to Pockets. Please see below: -

    In response to your query, at this time we can not set up a payment plan on your account. Pounds to Pocket does not offer the ability to freeze an account or interest, as well as we can not change monthly payment amounts. We do apologize for any inconvenience for any financial hardships you are experiencing. At this time in order to better assist you and to prevent the account from going into default, we can offer a one time courtesy adjustment rescheduling your March payment. Payment # 2 can be rescheduled from the 28th of March 2012 to the 28th of February 2013. If this is something of interest to you please respond immediately in order to make the appropriate adjustments.

    What do you think?

    furryboo

    Leave a comment:


  • Never-In-Doubt
    replied
    Re: Debt and Loan Help Pleazzzzzzee.......

    check PM's....

    Leave a comment:


  • furryboo
    replied
    Re: Debt and Loan Help Pleazzzzzzee.......

    I just checked that link!

    What actually happened then?

    Thanks

    I do understand regards how they won't freezing anything bt I feel a little better about doing it this way! Less offence if you like! I got no bottle!!! LOL!!

    Thanks

    furryboo

    Leave a comment:


  • cymruambyth
    replied
    Re: Debt and Loan Help Pleazzzzzzee.......

    Originally posted by PlanB View Post
    There is only one basic ground for divorce which is 'the irretrievable breakdown of the marriage due to unreasonable behaviour where your spouse has behaved in such a way that you cannot be expected to live with them'. I would say that preventing a wife's ability to buy shoes should definitely have legal merit
    Could not agree more

    Leave a comment:


  • PlanB
    replied
    Re: Debt and Loan Help Pleazzzzzzee.......

    Originally posted by CleverClogs View Post
    She'll probably want to divorce you once her ability to buy shoes becomes affected.
    There is only one basic ground for divorce which is 'the irretrievable breakdown of the marriage due to unreasonable behaviour where your spouse has behaved in such a way that you cannot be expected to live with them'. I would say that preventing a wife's ability to buy shoes should definitely have legal merit

    Leave a comment:


  • CleverClogs (RIP)
    replied
    Re: Debt and Loan Help Pleazzzzzzee.......

    Originally posted by furryboo View Post
    OK, how would I then pay this then?
    Whereas their preferred method of payment could be described as nasal, I'd suggest that you pay by cash paid over the counter at a bank or by a standing order paid into their bank account.

    With a direct debit or card payment, they can and will grab all they can even if that leaves you with bugger all for food and other bills.

    Personally, though, I'd remind them of Arkell v Pressdram (link)

    Leave a comment:


  • furryboo
    replied
    Re: Debt and Loan Help Pleazzzzzzee.......

    This is what I am planning on sending. It is partly true to be fair: -

    Dear Sirs,

    Ref:

    I write with reference to the outstanding balance on this account. Unfortunately due to a personal mental health family issue I cannot afford to repay the balance outstanding.

    I do not want any correspondence sent to any address you hold on file or any phone calls at the moment. Given the nature of things I can afford to pay £25 a month and would like instruction on how to set this arrangement up. I would also ask that all interest be frozen until further noticed. When things get settled emotional and finacially I'll be in touch with new details.

    In the meantime you can contact me using the following email address which I'll pick up as and when I log-in.

    Email address:

    Yours faithfully,

    Leave a comment:


  • furryboo
    replied
    Re: Debt and Loan Help Pleazzzzzzee.......

    OK, how would I then pay this then?

    Thanks

    furryboo

    Leave a comment:


  • CleverClogs (RIP)
    replied
    Re: Debt and Loan Help Pleazzzzzzee.......

    Originally posted by Never-In-Doubt View Post
    Ok write in and offer £25pm but omit the solicitor bit as you have no substance to make such threats....

    That would seem the best option for you and ease your worries.
    But - and this should be obvious - do not set up a direct debit or card payment for that amount.

    Leave a comment:


  • furryboo
    replied
    Re: Debt and Loan Help Pleazzzzzzee.......

    I will keep you guys up dated. You have all been very understanding and I thank you for that! I will use a sob story as to why I cannot pay and go from there.

    Thanks all of you.

    Stay cool

    furryboo

    Leave a comment:


  • Never-In-Doubt
    replied
    Re: Debt and Loan Help Pleazzzzzzee.......

    Ok write in and offer £25pm but omit the solicitor bit as you have no substance to make such threats....

    That would seem the best option for you and ease your worries.

    Leave a comment:

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