repaying a debt

[samantha1983]

Hi all info needed,

i have been paying lewis group £3 a month for a vanquis credit card debt

and completely forgot to pay it and

then got a phone call just saying because i have defaulted they can't accept payment

and because we are waiting for a claim for me to look after a family member for carers allowance

i don't work which means no income,

 

my mum pays the debt but between us we have forgot to pay it

 

i said to the cheeky cow on the phone if they are not happy to take me to court was that right

or not or what do you suggest i should do

 

i've paid it regularly till may's payment and its completely been forgotten

[cerberusalert]

Personally I would drop it to £1 per month given your circumstances. Even in the unlikely event it did go to court a Judge would only order you to make payments commensurate with your income.

 

How old is the a/c, have they added any unfair charges & was there any PPI?

[samantha1983]

its about 4 years since i had the vanquis card

i think i was paying for something in advent of me becoming out of work etc,

but i worked for myself,

but i did cancel that after a couple of months of having it.

 

as i stopped working for myself i started looking after my dad but i don't get any money at all

 

so any debts i have my mum pays hence the £3

 

BUT WE TOTALLY forgot this month's payment, until they rang today

but they were really funny saying why don't i have income and if my mum is paying it for me

they wanted her income and expenditure to work out how much she can pay for me

 

i said i wasn't going to give them that and she said well we won't accept any offer from me because i have no income

 

in the end i shouted take me to court then and hung up because i was so annoyed in her attitude and end of the day its £3

 

Do you think i should send them the cca letter or the one where i ask them to write it off?

[cerberusalert]

they wanted her income and expenditure to work out how much she can pay for me

This is a total breach of OFT guidelines, a third party cannot be held liable for someone else's debts nor can they demand their income details.

 

Given your circumstances i would send the letter asking for the debt to be written off, also remind them that they are in breach of OFT guidelines & you are minded to make a complaint to the relevant authorities.

[samantha1983]

thanks cerberusalert i am now in the process of writing the letter to ask them to write the debt off nd i will meantion that what they asked for mum;s income etc is a breach of oft guidelines and if they don't want me to start a complaint then they should write the debt of its small fish of what some people will owe its only 1500.

[dx100uk]

it this on her [your] CRA file

 

see below

 

dx