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Re: carol01 UE Diary
hi elsa thanks for the reply
i will have a look at the budget and debt calculator and go from there
Originally posted by Undercover Elsa
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Hi Carol 
There's no template as such as at this stage it's down to personal circumstances, but I can help you with the letter if you wish.
I've had a quick read through your thread re this account, just need some more info.
Are you now on benefits?
Do you own your own home?
Do you have any health issues?
Did you send them a Common Financial Statement when you set up the payment plan? (They have no legal right to one, but if it helps your situation then it's OK to send one).
In the light of your reduced circumstances it might be an idea to complete one yourself before they send their own intrusive version.
The Nedcab version is excellent, and has built in trigger figures. It's an industry standard and they should accept it.
When you complete it don't make yourself short, you have a right to live a normal life.
You can access it here, complete it online completely confidentially and print out the result: North East Derbyshire Citizens Advice Bureau
Once we have the figures to work with we can write with a token offer.
In the meantime to preempt any nasty letters when they realise your payment hasn't gone through, just send them something on these lines:
Re Account Number:
Your Ref:
Dear Sirs,
I write with reference to the payment arrangement for the above account which I have been paying at £66 per month since xxxx
I promised to inform you if my circumstances changed, and unfortunately having recently lost my job I am now in financial hardship and therefore unable to maintain the payment at the present level.
I am currently seeking advice and will be completing a C.A.B Common Financial Statement. I therefore ask that you put this account on hold for a minimum of 30 days to allow me time to sort this out.
In the meantime I would be most grateful if you would provide a full statement of account detailing my payments to date and the balance owed.
yours faithfully,
That's what I'd do, but see what others say too
There's no template as such as at this stage it's down to personal circumstances, but I can help you with the letter if you wish.
I've had a quick read through your thread re this account, just need some more info.
Are you now on benefits?
Do you own your own home?
Do you have any health issues?
Did you send them a Common Financial Statement when you set up the payment plan? (They have no legal right to one, but if it helps your situation then it's OK to send one).
In the light of your reduced circumstances it might be an idea to complete one yourself before they send their own intrusive version.
The Nedcab version is excellent, and has built in trigger figures. It's an industry standard and they should accept it.
When you complete it don't make yourself short, you have a right to live a normal life.
You can access it here, complete it online completely confidentially and print out the result: North East Derbyshire Citizens Advice Bureau
Once we have the figures to work with we can write with a token offer.
In the meantime to preempt any nasty letters when they realise your payment hasn't gone through, just send them something on these lines:
Re Account Number:
Your Ref:
Dear Sirs,
I write with reference to the payment arrangement for the above account which I have been paying at £66 per month since xxxx
I promised to inform you if my circumstances changed, and unfortunately having recently lost my job I am now in financial hardship and therefore unable to maintain the payment at the present level.
I am currently seeking advice and will be completing a C.A.B Common Financial Statement. I therefore ask that you put this account on hold for a minimum of 30 days to allow me time to sort this out.
In the meantime I would be most grateful if you would provide a full statement of account detailing my payments to date and the balance owed.
yours faithfully,
That's what I'd do, but see what others say too
i will have a look at the budget and debt calculator and go from there
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