reliable collections & ambrose wison catalogue charges

[worried&stressed]

hello ,

sorry to bother you i was wondering if someone could please help me .

 

I had a ambrose wilson account while working and always made my payments on time with never a problem ,

 

iv since got sick and am unable to work.

 

Iv tried on many occasion to make payment offers and for a long time they were just sending me not very nice letters and would never accept what i could offer.

 

they have since agreed and i have been paying off monthly by direct debit £10 a month

BUT they are charging me over £30 a month on charges so im not actually clearing the debt and am getting deeper

 

it is worrying me out of my mind and im at my wits end

 

i want to clear the debt but its never ending with the charges constantly whacked on

 

i would be so very greatful if someone could give me some advice about how i get the charges stopped so i can actually clear this debt

Thankyou

[dx100uk]

hi W+S

 

moved your thread to the cat forum

 

its quite typical for JDW/RC to do this

 

ALL those £12 fee are UNLAWFUL PENALTY charges and can be reclaimed.

 

have you got all the statements?

 

if not SAR them.

 

as for payin them..read this and follow:

 

tell them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

then pay by your internet banking site

and get reclaiming

dx

TAKE CONTROL

or

if yuo think that letter is in response to you telling them £xx for xx mts

then write back........

i'm sorry, but you have failed to assist me during a period of financial difficulty, against all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

i repeat again, the contents of my letter dated dd/mm/yyyy, for want of clarification:

to show my goodwill, i am going to pay £XX for XX mts

could you please as a reciprocatal goodwill guesture, refraining from levying any penalty charges & freeze the interest on my account.

i will update you in 6mts time or before, should my situation chance.

should you fail to help by refraining from levying unlawful PENALTY charges & freeze my interest,

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions are doing nothing to help me.

This is contrary to the rules you should operate under.

disgruntled account holder

dx

[BRIGADIER2JCS]

Hi Welcome to CAG.

 

I would write to them clearly stating that you are doing your best to clear the account and are paying all you can reasonably afford, point out that their refusal to stop charges is going to result in you being unable to continue making any payments as the debt continues to grow, so as a gesture of goodwill will they give full consideration to your request for stopping charges.

[worried&stressed]

Thankyou so much for your help , so do i also cancel the direct debits until i hear back from them ? im happy to pay my monthly payment but at the moment it seems the money im paying is just basically getting eaten up and more charges i will print the letter off first thing and send in thanks again for your help

[BRIGADIER2JCS]

I would keep up the payments for now, it will benefit you should they try to get more.

[dx100uk]

Thankyou so much for your help , so do i also cancel the direct debits until i hear back from them ? im happy to pay my monthly payment but at the moment it seems the money im paying is just basically getting eaten up and more charges i will print the letter off first thing and send in thanks again for your help

 

do as in post 2

 

dx

[worried&stressed]

i sent the letter and instead of replying by post they have left me an answer message , do i call back or wait to hear from them in writing ? she sounded quite abrubt

[dx100uk]

no never ever talk about your debts on the phone

 

dca's are not bailiffs

and have no like legal powers,

 

got them statements yet?

 

dx

[worried&stressed]

nope , can i go online into my account and print them all off ? or do i write to them .Also if i dont call her back will i get into trouble ? sorry i know i probably sound really silly but iv not done this before and its pretty daunting .Now iv got that answer message its worried me to death

[worried&stressed]

shall i write to them again and request the statements and also say i would like all contact to be through the post ?

[BRIGADIER2JCS]

You certainly do not take orders from a telephone jock at a tinpot DCA, yes print them off.

[BRIGADIER2JCS]

shall i write to them again and request the statements and also say i would like all contact to be through the post ?

 

Yes but tell then NO FURTHER TELEPHONE CONTACT IS TO BE MADE ALL COMMINICATION IN WRITTING ONLY!!

Your'e in charge NOT them.

[worried&stressed]

Thankyou so much im going to log into the account now see how far back i can go if not then il write to them with the £10 cheque requesting my statements thanks so much

[dx100uk]

no send the sar letter

 

[hold on the black under lined sar and click]

 

dx

[worried&stressed]

so i ignored the call and today got a letter saying that they are unable to agree at this time to freeze the charges however they will reveiw it in 6 months time ?? now what do i do ?? iv also managed to get them to post me all statements

[dx100uk]

as 2nd part post 2

 

dx

[worried&stressed]

Thankyou when i do that if they come back with the same response what do i do next if there is anything i can do . thanks again

[dx100uk]

do as post 2

 

pay then what you say when you say

 

the penalty charges can always be reclaimed.

 

dx

[worried&stressed]

i have got my statements through now what do i do ??? thankyou again

[dx100uk]

look for penalty charges [£12 fees for everything late/over/letter/phone call debt advise]

 

all can be reclaimed

 

fill this in for EVERY one of then

 

This fourth spreadsheet is useful in calculating a regulatory based compound interest award for PPI on a Revolving Credit Account. Not all statements are required for this sheet because it will work out the compound interest on the PPI payments you do know about. It will not work out the additional 8% interest, to do that you will need spreadsheet three above AND all of your statements.

 

FosCISheet v101.xls

[worried&stressed]

just looking through the statements now

 

the intrest charges are insane

 

can i not claim those back ?

 

if that were possible it would probably clear the account completly .

 

Its all so confusing if only they would of just frozen the intrest as im happy to make my monthly offer

but it was just getting me no where and further into debt

 

iv even looked into signing up with one of these companys that say they will sort it if you pay them monthly.

 

also what do i do while im sorting this

 

because they refused to freeze intrest

 

do i just send them monthly payments of £1 or do i carry on the £10 monthly payment ?

thankyou

[dx100uk]

those companies can do NOTHING MORE than what you can!!

 

don't use them

 

they have NO MORE POWERS THAN YOU.

 

waste of FFES.

 

no you cannot reclaim interest

though you can on the penalty fees

 

use the spreadsheet as advised

 

pay them as advised in post 2

 

dx