Bryan Carter for Simply be

[lababy]

Hi,

 

I received a letter from Bryan carter recently giving me 10 days to pay the £199 that is outstanding for a simply be debt from last year.

 

I sent off my request for a CCA and

 

today recieved it from Simply be in the form of an print out of the credit agreement with my 'electronic' signature on it,

 

alos included were a copy of the account showing payments and

 

also a copy of their terms and conditions.

 

What should I do about this debt?

 

Should I challange it any further?

 

Many thanks

Vix

[rebel11]

The guys will be happy to advise as soon as they are available.

[lababy]

Thanks, I dont know what to look for on the CCA's,

[ims21]

Hi

 

Can you give more detail of the debt...do you owe it? How has it ended up in the hands of Carter? What is the history?

 

Regards

 

ims

[lababy]

It was an online account that I had last year and due to my husband being made redundant I had problems paying, hence why carter has got hold of it, It is only for £199 but obvously I cannot afford to pay that in one go.

[ims21]

Have you been in contact with Simply to try and arrange a payment plan?

 

Regards

 

ims

[lababy]

No, I missed 2 payments and they sent it to BC

[ims21]

Hi

 

I assume you don't dispute that you owe Simply.

 

What I would do (if you haven't already) is work out how much you can afford to pay each month to clear the debt.

 

Write to Simply and tell them of your change in cisrcumstances and that you will pay them an amount of £x (an amount you can easily afford)

 

You can, if you wish, copy the letter to Carter.

 

Have you checked your Credit File to see if a default has been registered or have you received a default notice from Simply?

 

Regards

 

ims

[lababy]

there is no default and nothing on the credit file from either of them, I will send them a letter on monday thank you

[ims21]

Hi

 

Ok

 

I just think its better to deal with Simply as they can't have what you ain't got. Also, maybe set up a standing order to them rather than a direct debit...that way you can control it.

 

Shout if you need more help.

 

Regards

 

ims

[lababy]

Thank you I will do that

[BRIGADIER2JCS]

IMS is right if you can keep the account with the OC it's usually

easier to deal with them.

[count orlok]

I begged and begged Simply be to give me their bank details so I could set up a standing order to pay them, but they wouldn't so in the end I just gave up trying. Good luck with getting their details, whatever you do don't let them trick you into setting up a direct debit. Send them a PO each month if thats the only way, and don't forget to write your account number on the back.

[BRIGADIER2JCS]

At least if it ever was escalated to court

action you can show you have done YOUR best

to resolve the problem!!!

[count orlok]

They do make it very hard to make reduced payments but if your account is recent or you took it out online, you must try. As I say don't let them set up direct debits, they can't be trusted and they take what they want, not what you can pay.

[lababy]

Hi.

 

 

I have an old debt from a mail order catalogue.

 

 

It currently stands at £199 and is due to fall off my credit record next june,

 

 

however I am trying to get myself back in the black

and was wondering if anyone would be kind enough to point me in the right direction

of how to get them to consider a reduced amount and also how much I should offer to pay back.

 

 

I am a registered carer for my 2 disabled boys so am out of employment at the moment.

 

Kind regards.

[caro]

Unless you have a really good reason not to I'd be inclined to leave it be.

[renegadeimp]

Dont even bother with it. Just leave it be. They havent chased you or done anything so far, so just wait the 10 months, let it fall off, and thats the end of it. Pay it off now, and youve pretty much wasted 199 as the default will still be there regardless.

[dx100uk]

old and new thread merged

 

 

dx

[lababy]

I am just trying to clean up my credit file. I havent had a letter off them for a few years :/. Guess it is just best to leave it then. I only have that and a credit card on on there. The rest are phone contracts which are all in good standing.

[dx100uk]

is the entry defaulted?

 

 

dx

[fkofilee]

From what it looks like it is defaulted DX as the OP mentions it clears off next year...

 

I wouldnt stir the hornets nest at this point. Is it still with Bryan Carter?

[caro]

I think the fact that BC haven't pursued it in all these years suggests they'd struggle to prove it was owed. Keep your money for more important things for your family.

[mikeymack2002]

Don't forget to check your statements to see if the OC added late fees to the account! If further action is taken then demand they remove the fees and this could reduce/wipe out he debt...