spent2much UE diary

[Spent2much]

Re: spent2much UE diary

Type of account (overdraft)mine

Date commenced (2003)

Approx balance (£246)

Date last paid (22 June 2012)

Are you on arrangement or not paying (was on dmp now stopped paying)

Status (default/cca being sent )

Account owner (HBOS)
9/7/12 cca request sent
28/9/12 from Halifax account sold to BLS 3/8/12

26/10/12
repayment plan arrears
overdue account ,
10 days to repay the amount owing
14/11/12 pay today reminder

13/12/12
from BLS

Please find enclosed a statement of account as requested.

Should you require any further assistance please telephone us.
14/12/12
BLS essential that you contact us today

22/12/12 from Halifax
As we haven't been able to agree a suitable repayment plan we've trasferred your account ot Moorcroft


28/12/12 from moorcroft

advising me Halifax have instructed them to collect the overdue debt of £246.26

It is a legal requirement to send a notice of intended litigation before legal proceedings in the county Court are issued. We believe that this letter fulfils this requirement even if it is not actually read by you .

To prevent our recommeding to our client that solicitors commence legal proceedings, it is essential that you settle this debt without delay. Payment should be submitted in full within 7 dyas or contact made with this office immediately, by telephone on 000000000000 or by letter, with your payment offer. Both our client and we do not wish to take this action but if agreement cannot be reached by 31/12/12 , a claim may be issued by solicitors to act on behalf of our client without further notice.

WE WOULD DRAW TO YOUR ATTENTION THAT IF JUDGTMENT AND AN ORDER FOR REPAYMENT IN FULL IS OBTAINED AND REMAINS UNPAID, A RANGE OF COURT ENFORCEMENT OPTIONS ARE AVAILABLE TO OUR CLIENT AND APPLICATION FOR ONE OF THESE MAY BE CONSIDERED.

We would emphasise that should judgement be entered agaisnt you this may affect any future credit application you may make elsewhere . Legal cost mentioned also blah blah


10/01/13 from Moorcroft
IMPORTANT INFORMATION-POSSIBLE FURTHER ACTION
pay before the 15/01/13 by calling us .

23/01/13 from Moorcroft
MONTHLY INSTALMENT OFFER

08/02/13 from midascreditservies
We are part of the Moorcroft Group and are aware that you have failed to reach repayment agreement with Moorcroft .
contact Moorcroft now to prevent possible further action


22/02/13 from Moorcroft

DISCOUNT OFFER installments .


30/ 03/13 from Moorcroft

discount offer

I am disappointed to note that despite our numerous attempts to contact you no satisfactory agreement has been reached regarding the balance oustanding of £246 on the above account.

However in one last attempt to come to an arrangement to prevent the possibility of further debt recovery action being recommneded our client has informed us that we may be able to offer you a substantial discount from your outstanding balance. This means that if you able to pay an acceptable lump sum within the next 14 days we will not pursue the remaining balance of the debt .



ignore ?
29/04/13 Halifax
Account transferred to Westcot Credit Services Ltd


18/05/13 SWID to westcot
07/05/13 Westcot

We have been instructed by our client to collect the outstanding balance on their behalf.

You should read both sides of this notice carefully, follow the instructions and reply IMMEDIATELY. If you have any queries or any of the information supplied is incorrect, please contact us on the number supplied .

TO AVOID WESTCOT TAKING FURTHER , YOU MUST

PAY THE DEBT IN FULL TO WESTCOT OR CONTACT US ON BLAH BLAH
07/05/13 Westcot
We have been instructed by our client to collect the outstanding balance on their behalf.
You should read both sides of this notice carefully, follow the instructions and reply IMMEDIATELY.If you have any queries or any of the information supplied is incorrect, please contact us .
TO AVOID WESTCOT TAKING FURTHER ACTION, YOU MUST:
PAY THE DEBT IN FULL TO WESTCOT OR 2. CONTACT US ON BLAH BLAH BLAH
15/05/13 Westcot
FINAL NOTICE
Our latest enquiries have now confirmed that you are still resident at this address but we have not received a reply to our previous corrospondence.

Unless you contact us to agree repayment of £246.26 within the next 10 days , further collection activity will be taken to recover the full outstanding balance.

Please do not ignore this letter as this could result in further action being taken to recover the debt .

31/05/13 Westcot

We acknowledge that have raised a query on this account and we would like to confrim to you how this will be investigated.

We will suspend all collections activity on the above account whilst the matter is under investigation.This means that we will not write to you, or telephone you in pursuit of the account whilst it is being investigated. 10/06/2013 westcot
We refer to your recent communication. Having contacted our client they have advised that the above balance is correct and due for payment .They state that the above balance relates to a current account, therefore no credit agreement is available.

In the circumstances, we believe the dispute has now been resolved and the full balance or an agreed monthly instalment is required by return. Payment can be made by direct debit or online

If in the event you believe you still have a valid dispute , please contact us with the details within the next 14 days otherwise your account will be returned to our recovery team for collection

8/11/2013 from capquest
(wrong information about account they are saying it is a bank of Scotland credit card when it is a Halifax overdraft )
capquest have been asked to manage the account , usual threats of may send doorstep agents, possible litigation .
must contact them by the 15/11/2013 , if no contact then account will be passed to their solicitors HL Legaln

no contact will mean further action

23/11/2013 HL LEGAL solicitors
capquest has appointed us, on behalf of Bank of Scotland Credit Card. (this account is an overdraft ) not a credit card.

TAKE NOTICE THAT unless this account is paid in full or a satisfactory proposal for settlement is received by 05 Dec Court proceedings may be issued against you without further notice.

court costs explained

In the event that judgement is obtained against you,enforcement action will result in further costs .



I am going to send a quid to these muppets as they requested even though I begrudge it lol, must send it today though as I forgot about it .

ps notice the blue is working it seems to work on my laptop but not my main pc .

03/01/2014 sent £1 as requested will wait for them to realise it isn't a credit card but an overdraft



13/01/2014 capquest
we have been advised by bank of scotland that section 74 of cca 1974 provides that an overdraft on a current account will not fall within the documentation requirements of the cca . Therefore we are not providing a copy agreement for the above account. Please find enclosed your £1.00 postal order fee.

Please contact to discuss the payment options for this account.

31/01/2014 capquest
sending doorstep agents scotcall limited to arrange repayment

If a response is not made by 31/01/2014 an agent will be despatched and will call at the above address .

To avoid agent calling contact us by 31/01/2014

If contact is made before this date (impossible as this letter arrived today 31/01/2014,so bull shit as usual) they will offer a settlement figure of £184.70 to clear the amount.
will only show as parital settlement on credit file.

or can settle the account in instalments


2/02/2014 sent doorstep and phone call harassment letter to capquest

13/02/2014 Capquest

We have removed your telephone number from our system.

This account has been placed on hold until 08 March 2014 and we would be grateful if you could contact us during this period to advise us on how you would like to proceed with this account

If you require any further assistance , please do not hesitate to contact us.

11/12/14 assigned to 1st credit

24/12/2014 1st credit , offer for them to help pay with a reduced offer

5/01/2015 1st credit

letter giving me debt management companies names and then they can help me come to an arrangement to pay , enclosed is an income and expenditure form too .

update

[Spent2much]

Re: spent2much UE diary

Type of account (kays)
mine
Date commenced (2003)

Approx balance (£1,905)

Date last paid (22 June 2012)

Are you on arrangement or not paying (was on dmp now stopped paying)

Status (default/cca being sent )

Account owner (kays) now Littlewoods)
09/07/2012
18/07/2012
recieved a cca back today , do i send the letter and the cca to niddy to look at ?




13/08/2012 sent missing PT's

24/9/2012 received a letter new condition to the agreement.


26/10/2012 statement payment not received
24/11/2012 statement payment not received

22/12/12 NDR monthly statement with £12 late fee added
Notice of Default cca 1974

Please note that a default charge will now be added to your account, as you have breached the terms of the agreement.
If you have not already done so. please rectify the position straght away

31/12/12 sent missing PT's reminder
4/01/13
received from ndr

NOTIFICATION OF INSTRUCTION TO PROCEED
We have been instructed by our client:
shop direct to act on their behalf in securing repayment for the sum of £1965.20 in respect of purchases made from K&Co.

Accordingly, we give notice that unless this account is paid-or a satisfactory repayment arrangement is made within 7 days, our client will be taking the following action:

Register a Default at the credit reference bureau which will remain on your credit file for 6 years and may affect your ability to gain further credit in the future.

If you can pay your arrears in full within the next 7 days then we will review all default charges and additional interest applied to your account.

If you wish to make an offer of repayment you should do so within seven days by contacting us on 0844 822 40952
__________________________________________________
NDR have been phoning me until 9 at night and from 8 in the morning .


17/01/13 NDR PRE-ESCALATION NOTICE

I have attempted to contact you on numerous occasions , £12 admin fee to account.
Essential you make payment




21/01/13 NDR
default notice (reason late payment) £12 admin charge late payment


23/01/13 kay&co/shop direct finance ltd

Re: Credit Agreement Request
We write further to your letter dated 28/12/12We confirm that your debt still remains outstanding.

You have infromed us your agreement is unenforceable , but unenforceability does not mean that the rights of a party under a CCA were never acquired or are extinguished. This approach has been adopted by the courts and such means that we will still continue to request payments from you.

It is clear, that by ordering and purchasing goods from us you acknowledge that there is an iexisting relationship in place. In the event that you did not believe there was such a relationship it is unlikely you would have bought and continued to buy goods from us.
Therefore , as the debt remains unsatisfied, we weill continue to request payments from you and notify the credit reference agencies.


also from kay&co
YOU SHOULD READ THIS CAREFULLY
DEFAULT NOTICE section(1) CCA 1974 pay £1965.20 before 31/01/13 to remedy the breach


23/04/1
Kendo.com

Default Notice
Served under section 87(1) of consumer act 1974

We refer to the above agreement which you have entered into with us. The Payment Clause of the agreement provideds that you must make the required periodic payment in full by its due date. You are in breach of that cluase because you have failed to make all your periodic payments in full when due, and arrears amounting to £1989 are outstanding.

To remedy the breach you must pay us the total arrears of £1989 before 01-May-2013.

IF THE ACTION REQUIRED BY THIS NOTICE IS TAKEN BEFORE THE DATE SHOWN NO FURTHER ENFORCEMENT ACTION WILL BE TAKEN IN RESPECT OF THE BREACH.

IF YOU DO NOT TAKE THE ACTION REQUIRED BEFORE THE DATE SHOWN THEN THE FURTHER ACTION SET OUT BELOW MAY BE TAKEN AGAINST YOU.

further action:

On the date shown, we shall require payment of the outstanding balance on the account , less any rebate allowable as set out below.

Amount of outsanding balance £1989
les rebate £0.00
total amount to be paid £1989

IF YOU HAVE DIFFICULTY IN PAYING ANY SUM OWING UNDER THE AGREEMENT OR TAKING ANY FURTHER ACTION REQUIREDBY THIS NOTICE, YOU CAN APPLY TO THE COURT WHICH MAY MAKE AN ORDER ALLWING YOU OR ANY SURETY MORE TIME.

iF YOU ARE NOT SURE WHAT TO DO,YOU SHOULD GET HELP AS SOON AS POSSIBLE.FOR EXAMPLE YOU SHOULD CONTACT A SOLICITOR, YOUR LOCAL TRADING STARNDARS OR YOUR NEAREST CAB.

The notice should include a copy of the current oft .

11/05/13 NDR
payment not received letter .

05/06/13 from kays and Lowell Portfolio Ltd

Kays - We hereby give notice of the assignment of the debt due to us from you in repect of the balance of £1989.20

On 10/05/2013 your account was legally assinged to Lowell Portfolio Ltd and as such any further communications and payments regarding the account must now be addressed to Lowell Portfolio Ltd

From Lowell Portfolio Ltd

We are Lowell Portfolio Ltd , a specialist debt purchaser who buys accounts from companies such as Shop Direct/kay&co where there is an outstanding debt. We then work with the customer to help them repay it. Your account was sold to us on the 10/05/2013, details of the account are set out in the right hand margin of this notice. The balance is in respect of goods you ordered and received . As Lowell Portfolio l Ltd now owns the debt we are entitled to receive payment of the balance.

Settling your account

Before selling your account to us Shop Direct checked their records and found no reason why this should remain unpaid. You therefore need to pay us the £1989.20. You can call us on 00000000000and pay the full balance by card, or if you cannot afford to pay in full you can set up a monthly repayment plan. The simplest way to pay by instalments is to set up a direct debit until the balance is paid off. You can also visit our website and complete the dd mandate online.

When you have paid the debt off , or once you start to make montley payments we will contact the cra to update your credit file. Keeping your credit file up to date can help your credit rating an allow you access to cheaper forms of credit.

What happens next ?
If you do not contact us to repay this account or set up a repayment plan, we will instruct our collection department. Lowell financial ltd to recover what you owe us.

Statement of your account
Under the CCA 2006 we are obliged to send statemtns and notices to you at prescribed intervals. On the reverse of this letter you will see your current position with regard to this account. You will continue to get statements and notices until you repay this debt

6/6/13 sent SWID to Lowells

19/6/13 from Lowells

We thank you for your recent letter and appoligise for the delay in replying.

Your comments with regards to the fact that the account is in dispute with Shop Direct as they failed to aknowledge your formal CCA request. We have queried this with Shop Direct and will advise you of their response upon receipt.

In the meantime we have requested a copy of the credit agreement within the 12 working day period prewcribed by CCA, you will appreciate this is dependent upon receipt of the agreement from the original lender.

We will advise you further if it will take longer than the prescribed period.



21/06/13 Lowell

We have requested a copy of your credit agreement
Thank you for contacting us about your credit agreement. We have ased your original lender for copy .

We will replay as soon as we can
We will do our very best to send the information you asked for within 12 working days, but this does depend on when your original lender can send it. We will let you know if we do not hear from them in time.

We're here to help
In the meantime if you have any questions we'll be pleased to help you.

1/7/2013 from Lowell

News on your credit agreement request

We have been in touch with shop direct about the copy of your credit agreement.

They have let us know they are trying to retrieve the agreement from their achive.
As soon as we have it, we will sent it to you.

What will happen next
In the event we cannot obtain a copy of the agreement we will write to you again and inform of this. Once you have seen your agreement , we will ask you to pay the outstanding balance in full.


10/07/13 Lowell

We are waiting for your credit agreement.
I m afraid we have not received a copy of your agreement from shp direct yet. They are still trying to retrieve ti from their archives . We have placed your account on hold until we receive furhter information.

We will be in touch
When we have received it from them we will post it to you straightaway.

08/08/2013 Lowell,
Your credit agreement
We refer to your request for a copy of the original credit agreement for this account.

After liaising with Shop Direct in an effort to obtain this document we have been advised that is is no longer available due to the length of time since the account was opened for you.

We are closing your account
At this time we have closed our file and will not make any further contact with you concerning payment against this account unless the copy of the agreement is received at some point in the future from shop direct.

If you have questions please contact us

10/01/15 NCO RESOLVE
account passed to nco resolve , please contact them on *******************

our team may also be contacting you on numbers we have on record to discuss the account . We therefore request you keep your mobile phone safe .

update, i will send a swid and do not contact me by phone letter , but should i wait and see what they send next first ?

[The Tech Clerk]

Re: spent2much UE diary

Wait until NCO Resolve contact you - with their reference number etc, keep us updated? that is what I would do!

[Spent2much]

Re: spent2much UE diary

Wait until NCO Resolve contact you - with their reference number etc, keep us updated? that is what I would do!

will do thank you

[The Tech Clerk]

Re: spent2much UE diary

NCO Europe Ltd trading as RMA. of Bolton it seems.

[nightwatch]

Re: spent2much UE diary

Hope you had a good Christmas and New Year S2M xx

[Spent2much]

Re: spent2much UE diary

Hope you had a good Christmas and New Year S2M xx

i have thank you went to a log cabin had my son his wife and grandson stay it was lovely , went to brimahm rocks boxing day , new year went to see my son play in his band so it was really lovely . How was yours xx

[nightwatch]

Re: spent2much UE diary

Bloody Boring, was considering poisoning the OH but stopped when I realised that I wouldn't get his pension.

[Spent2much]

Re: spent2much UE diary

Bloody Boring, was considering poisoning the OH but stopped when I realised that I wouldn't get his pension.

: :

[Pixie]

Re: spent2much UE diary

Ist credit: don't fill in the I and E form. I would wait until they contact you again. My OD was assigned to them in December too but I haven't received any more letters...I'm feeling neglected

NCO: I agree with TTC, wait and see what they send next/if they start phoning you then send SWID and phone harrassment letters

[Spent2much]

Re: spent2much UE diary

Ist credit: don't fill in the I and E form. I would wait until they contact you again. My OD was assigned to them in December too but I haven't received any more letters...I'm feeling neglected

NCO: I agree with TTC, wait and see what they send next/if they start phoning you then send SWID and phone harrassment letters

I know i haven't any intention of filling and I and E out lol

[SXGuy]

Re: spent2much UE diary

I chucked mine in the bin haha. But i do like the way they send a pre paid 2nd class envelope in with their letters, it saves me 50 odd pence replying.

If you have received the NOA, and the "we are here to help" letter, then the next one, will be " we are considering applying for a statutory demand". Now, its up to you what you do with that. Me, i couldnt let that one lay. I had to respond to it, their clear abuse of process made my blood boil. OFT sanctioned them for this back in 2009, with a possible 50k fine if they continued with those tactics.

Niddy Advised me to send a fresh CCA Request instead of the SWID letter, simply because they wont entertain any arguments without having sight of whats wrong with the CCA to begin with.

So its up to you what you want to do, but i do feel they need to be brought down a peg or two in regards to the threat of bankruptcy.

[Spent2much]

Re: spent2much UE diary

I chucked mine in the bin haha. But i do like the way they send a pre paid 2nd class envelope in with their letters, it saves me 50 odd pence replying.

If you have received the NOA, and the "we are here to help" letter, then the next one, will be " we are considering applying for a statutory demand". Now, its up to you what you do with that. Me, i couldnt let that one lay. I had to respond to it, their clear abuse of process made my blood boil. OFT sanctioned them for this back in 2009, with a possible 50k fine if they continued with those tactics.

Niddy Advised me to send a fresh CCA Request instead of the SWID letter, simply because they wont entertain any arguments without having sight of whats wrong with the CCA to begin with.

So its up to you what you want to do, but i do feel they need to be brought down a peg or two in regards to the threat of bankruptcy.

thanks i will send a cca request then when the next letter arrives

[Pixie]

Re: spent2much UE diary

I know i haven't any intention of filling and I and E out lol

Just making sure

I chucked mine in the bin haha. But i do like the way they send a pre paid 2nd class envelope in with their letters, it saves me 50 odd pence replying.

Me too

Niddy Advised me to send a fresh CCA Request instead of the SWID letter, simply because they wont entertain any arguments without having sight of whats wrong with the CCA to begin with.

So its up to you what you want to do, but i do feel they need to be brought down a peg or two in regards to the threat of bankruptcy.

The difference is that mine and S2M's are overdrafts.

thanks i will send a cca request then when the next letter arrives

As above, you'll have to send an edited version of the first OD letter ---> http://forums.all-about-debt.co.uk/s...l=1#post159405 I incorporated that into the SWID letter. I've only received the NOA so far and only sent SWID last week so I'm waiting to see what comes next.

[Spent2much]

Re: spent2much UE diary

Type of account (overdraft)mine

Date commenced (2003)

Approx balance (£248)

Date last paid (22 June 2012)

Are you on an arrangement plan not paying (was on dmp now stopped paying)

Status (default/cca being sent )

Account owner (HBOS)

9/7/12 cca request sent

28/9/12 from Halifax account passed to BLS 3/8/12
14/11/12 payment reminder
28/11/12 sent cca reminder to bls
13/12/12 BLS saying statements enclosed as requested
14/12/12 BLS essential that i contact them
24/12/12 Halifax account passed to DrysdenFairfax
31/12/12 from DrysdenFairfax threatening letter to pay , court action , charge on house,
31/12/12 account sold while in dispute letter to drysdenfairfax
letter not received by drysdenfairfax according to post office website.
19/1/13 resent sold in dispute letter , sent by recorded delivery .
24/1/13 threatening letter from drysdenfairfax
16/2/13 from drysdenfairfax offer of settlement
29/04/13 Halifax
Account transferred to Westcot Credit Services Litd

29/04/13 account sold while in dispute letter to westcot


07/05/13 Westcot
We have been instructed by our client to collect the outstanding balance on their behalf.
You should read both sides of this notice carefully, follow the instructions and reply IMMEDIATELY.If you have any queries or any of the information supplied is incorrect, please contact us .
TO AVOID WESTCOT TAKING FURTHER ACTION, YOU MUST:
PAY THE DEBT IN FULL TO WESTCOT OR 2. CONTACT US ON BLAH BLAH BLAH
15/05/2013 westcot FINAL NOTICE
our latest enquiries have now confirmed that you are still resident at this address but we have not received a reply to our previous corrospondence.

Unless you contact us to agree repayment of £248.46 within the next 10 days, further collection activity will be taken to recover the full outstanding balance,

please do not ignore this letter as this could result in further action being taken to recover the debt.


18/05/2013 sent OD SWID to westcot

31/05/13 Westcot

We acknowledge that have raised a query on this account and we would like to confrim to you how this will be investigated.

We will suspend all collections activity on the above account whilst the matter is under investigation.This means that we will not write to you, or telephone you in pursuit of the account whilst it is being investigated.

10/06/2013 westcot
We refer to your recent communication. Having contacted our client they have advised that the above balance is correct and due for payment .They state that the above balance relates to a current account, therefore no credit agreement is available.

In the circumstances, we believe the dispute has now been resolved and the full balance or an agreed monthly instalment is required by return. Payment can be made by direct debit or online

If in the event you believe you still have a valid dispute , please contact us with the details within the next 14 days otherwise your account will be returned to our recovery team for collection

5/8/13 westcot

As a final attempt to avoid further action, our client has agreed that we can offer you a discount to settle your account.

This offer is only available for a limited period so you should contact us by the 11/08/2013 to agree a suitable settelememt , or the offer will be withdrawn and further action will continue to recever the full outstanding balance of £248.46.

If you are unable to take advantage of this offer, we will still consider a realistic repayment plan and you should contact us urgently to discuss your options. Unless a suitable arrangement plan is reached within 10 days of the date of this letter, (01/08/2013), further recovery action will be taken.


21/08/2013 from westcot
we understand that there may be many reasons why you have not responded to us in relation to this account.
You may feel that you are not in a position to stat making an acceptable payment against your balance or that you don't know how best to manage your way through you current liabilities.

Westcot are specialists in establishing repayment plans that best suit the needs of both our clients and their customers. For the overwhelming majority of customers that contact us we are able to make an arrangement tailored to each customer's financial circumstances.
We would therefore like to offer you the opportunity to repay this account via regular manageable instalments which will be both sustainable and affordable given your current circumstances.

what this means for you.....

an opportunity to take control with re-payments that you agree and that you can afford over a period of time.
no further phone calls, letters, text messages or home visits from Westcot or their appointed agents, providing you keep to the plan for this account.
The potential to improve you credit rating and increase your chances of obtaining future credit.

This debt will not go away and now is the best time to act. To take up the offer you need to contact us at the number above where one of our dedicated operators will help you make a fresh start.

30/08/2013 Westcot

We have previously advised you that one of the actions we were considering on your account was a doorstep collection visit
to your home address to recover the outstanding balance.
As we know of no genuine reason why you have failed to repay the outstanding balance, instructions will now be provided to Scotcall, a doorstep agency, to make an appointment with you to visit your home address. The purpose of the visit is to agree with you how you will repay this debt.

You have a final opportunity to avoid referral to Scotcall by telephoning the number above .

02/09/2013 sent doorstep visit complaint letter to Westcot


4/11/2013 Halifax- account passed to Robinson Way

22/11/2013 robinson way , account is due to be passed to our solicitors drysdenfairfax in the next 10 days.

14/12/13 drysdenfairfax

instructed by robinson way to collect the amount outstanding within 14 days .

10/01/2014 robinson way
NOTICE OF HOME VISIT
we may arrange for a doorstep collector to call at your address to agree an affordable payment plan with you , dependant on your personal circumstances .

To avoid the matter being escalated to this next stage of the dc procgress please contact us 27/02/2014 Robinson way , Your account was recently passed to one of our doorstep collectors who may have visited you already or notified you of a potential visit .Please note your account will now be managed by this office and all future correspondence need to be directed to us at the address noted above.

11/12/14 assigned to 1st credit

24/12/2014 1st credit . Offer of their help to pay with a reduced offer .

5/01/2015 1st credit

letter giving me debt management companies names and then they can help me come to an arrangement to pay , enclosed is an income and expenditure form too .

15/01/2015 1st credit

As an outstanding creditor we will consider all offers of repayment.

We invite you to make an offer of repayment that is affordable to you based on your current financial circumstances . Be assured , we will not make unreasonable requests for a repayment amount that you cannot afford to make.

Remember , you are able to repay £248.48 over a period of time with flexible weekly, fortnightly, four-weekly or monthly installment plans that suit you .

update ignore ?