Hello all, 6 months later and sure enough I am back to square one. only this time they have passed the debt on. apparently they had been emailing me for the review etc etc. only knew about this when they rang me. told them on the phone they should email me as i will not discuss the account over the phone. the woman didnt like it but i wouldnt have anything to say to her, i wanted it in writing. she accused me of ignoring emails and i told her i had no emails from them and gave them another one to contact me with. still heard nothing from them until i got an email (to my old address) from the debt company they had pased it on to... told them in a polite way that i would not be paying any money to them, i did not acknowledge any debt to them but acknowledged i owed WDA xx amount... also told them that i had no communication from WDA so i would continue to pay them the agreed £1 per month. i got an email back asking what my reference number was, and i emailed back telling them they would find the original email they sent to me at the bottom of the page and have a look (i literally hit reply with eveything still written there origionally) no reply since, and this was from the beginning of january. nice start to 2012

Just thought I would update as this matter finally got resolved on the 8th of June! I had enough of their rubbish and emailed complaints who then tried telling me the exact same thing. Until i sent them this email : Richard, I appreciate that it is regular that you hear people on a daily basis claiming that they can not afford higher repayments, but trust me if I could pay more I would. I am simply refusing to provide documents that are legally unnecessary. I have provided more then substantial evidence in my income and expenditure form to support what I am telling you and your colleagues. I will not be able to make payments higher then £1 per month as my budget will not allow it. Unless you would like a 7 year old child starving to death because I have no money to feed him on your conscience. I have to make payments to priority debts like rent and council tax, and currently do not need the extra stress of having numerous creditors on my case. As you will see on the list of creditors I originally supplied I have had phone calls from Simply Be today harassing me to pay them £139 which they were told exactly the same thing! I don't care if only one months interest has been applied or 12 months interest has been applied to the account. I would expect to have the amounts applied if the repayment plan was ceased because of an action of my own doing i.e. cancelling a standing order without informing your company, or such like. Not because you have decided I will not supply documents that you want me to supply which I have no legal obligation to supply to you. Even if this matter was to go to the County Court, You would get the same response, the court would be the only people to see the bank statements and they would still set the payment of £1 per month. Either that or not even entertain you in court as I am making payments to the account. Excuse me if I sound rude, as I simply do not mean to. But running a house hold on not even £800 per month aswell as trying to get to and from places of work and taking my step son to school, it is not easy! I am on the tip of being made to go on to sick leave because of the stress this is causing me. Regards to which I received this email: Dear Miss xx Thank you for your reply. I have spoken with the collections manager and she has accepted £1.00 for a further six months subject to review. Kind regards I think I won... lol

seems as Lewis finally got the message... as from my last email I have had no reply... (I bet I have jinxed it now lol) only thing I have had since was a text message to my phone asking to ring them which I haven't and have no intention of doing Caroline 1 WDA 0 whoo lol thanks for your help guys xx

nope still didnt learn... oh well I am standing my ground on this one... and I am still refusing to budge with giving them the bank statements hes throwing all his toys out of his pram now and I have told him if he so wishes he can stick the account back into processing at his own companies expense as I will not be paying any more then the £376.50 that I know I owe, and until I can afford more I will only be paying the £1 per month. copy of the email for you all to enjoy is under here I have already proved I can not afford to increase my monthly payment. I have actually provided more then sufficient evidence to support the fact I can not afford any more, in fact as the debt is in my name only I didn't even need to provide house hold income. Bank statements are private and confidential information and therefore are covered under the data protection act and I am fully within my legal rights to not provide this information. But like you said as you are refusing my reasonable offer I shall still be making token payments of £1 per calendar month and you can put this account back into processing at your own cost. I will not be paying a penny more then the £376.50 that I know I owe. Regards I know a little harsh but after 17 emails off these clowns over 4 days up until now and currently on the 2nd person I think you will all agree its a bit justified lol xx

theres been some pretty shifty looking men stalking my grans house lately. dads terrified to change address incase he loses out and he really has to keep his car for auntie and mam

well hopefully they will learn

copy of the email im sending them: Dear Lewis, I have just this minute gotten off the phone with the CCCS, they have informed me that I am right to not provide you with bank statements. Therefore I will not be providing you with anything other then basic income and expenditure. If you so wish to carry on processing the account then please do so. I will not be paying any more then I owe. I will continue to make token payments and should anything in my personal circumstances change then your company, along with the other creditors, shall be informed in due course. In the mean time, £1 token payments will be continued to paid. Any more requests for this personal information shall be ignored, and passed on to Office of Fair Trading and also Trading Standards as an official complaint. Regards Caroline Please feel free to let me know if I should add anything in or take anything out

well cccs say i am in the right for standing my ground to not give them bank statements (not even my bank account anyways) so sending a strongly worded polite email to them right now informing them of my refusal feeling better now well a little bit lol thanks guys xx

broke its all been done via email so no phone calls though i am tempted to phone them up and give them what for. brigadier - im now on the phone to cccs as an old council tax bill of my partner has come back to haunt him. they refusing the £1 pcm because it is "unreasonable" but anyways ringing the cccs so gonna see what they say about it all lol. will update once off the phone with them xx

kept all emails tho aswell so good for me lol

hes the second person in 2 days i have had this conversation with

ok will do. so stressed. cant even concentrate in college at the moment

lol i wish i spoke too soon and he replied not long after i replied to you. basically saying they still want the bank statement and can not put me on a repayment plan until i supply it. asked him nicely to put account on hold while i awaited cccs and cab advice but he has refused saying that they cant hold accounts purely on request unless i have provided the documents and im now gonna get charged interest and fees. im pulling my hair out now, im almost bald lol.

ok brigadier thanks very much they have stopped replying at the moment after my last email to them was something along the lines of telling them until I heard back from the CCCS/CAB about my rights I would still be paying £1 token payment as I cant afford to pay any more. and I wasnt prepared to put mine and my familes home at risk by missing out on payments to rent and council tax etc etc for a relatively small amount of debt. so i may have upset him a little oops lol. nevermind. thanks again

Still more emails today and they are still banging on about they are within their rights to request bank information to back up the financial statement! I am waiting on CCCS and CAB getting back in touch with me, but still nothing from them as yet... can some one give me some legislation or something I can throw at them, they are telling me that they can no longer have this payment plan in place of £1 per month, and can split it over 3 months. I have told them I can not afford this. And I also told them that I will still be paying my token payments of £1 per month. I have already been docs about depression and such like and these guys are starting to make me feel worse again. can anybody assist in any way? xx