Fightinghard's Diary

[nightwatch]

you should of received an annual statement, they should of at least sent you a letter asking to revue payments before now,

as you are close to paying it off, I would just send a letter saying"

thank you for contacting me, As I have had no contact from you for the last x years could you please supply me with a statement of account detailing payments and dates received, my circumstances have changed since then and I may need to reduce the payment"

[Still Waving]

Just a minor point, since this particular account is apparently close to being repaid anyway, but we don't usually ask creditors to rectify their failings do we?

[nightwatch]

no we don't, but its being paid so I like to be a pain in the butt

[fightinghard]

Thanks for this advice.- I have requested a statement of account.
In view of the awful amount of wilful non- coperation on their part in late 2013 (as detailed in my 24th. Jan. 2108 post) during which period they still managed to add some 7 late payment and default charges which, in addition to interest, amounted in total to some £200 I have also requested that these charges be cancelled. Should this lot refuse I intend to stop payments once only that amount remains outstanding on the account then drag things out as far as possible.
If they dont cancel these charges I guess I will end up paying them in the end but at least in the final hurrah I am going to be (to quote Nightwatch) " a pain in the butt