Catalogue arrears

[mumsw]

I have been having problems paying a mail order catalogue for a few months now,

due to being diagnosed with a incurable lifelong illness and being on steroid medication etc

haven't been working as much as I would like, hoping to be in remission one day!

 

I contacted littlewoods saying I was having problems and instead of the £100 I normally pay they would let me pay £50 for two months which I did,

 

 

then as soon as the two months were up they went back to continually phoning and sending letters,

I've written asking them to let me have reduced payments for 6 months but seem to be ignoring me.

 

I did ask for them to refund PPI and charges on my account a few years ago which they did

but I never sent a SAR or a CCA or whatever else I was supposed to send,

just filled out a form they sent me and they paid a amount I was happy with.

They are still charging £12 each month for either missed/late payments.

 

 

I'm not sure what to do now?

 

 

I also have a grattan account which I'm in the same situation with,

they let me reduce payments for 4 months but still added interest on but not the £12,

 

 

now the 4 months have finished they are adding the interest and the £12 each month

and the amount is spiralling out of control,

 

 

Grattan said they would only freeze interest if I go through stepchange or similar

and sort out a monthly payment scheme, I don't know what to do next

Thank you for reading this

[dx100uk]

time to get reclaiming those charges again then.

 

 

pers I'd stop asking their permission to reduce payments..just do it.

 

 

TELL [dont ask] 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.

.

as an example>

.

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £5 for 6 mts.

 

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

.

could you please as a reciprocal goodwill guesture,

.

refrain from levying any penalty charges & freeze the interest on my account.?

.

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

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

.

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

.

.

as your actions would do nothing to help me.

.

i thank you for your time.

..

.

dx

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

or

if you have sent the above and they refuse

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 reciprocal 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

[mumsw]

Thankyou, even if they repay the charges it won't clear the balance, so I'm not sure what will happen with the balance, can I just pay a reduced amount until such time I can afford to clear it?

 

 

 

 

I have had a email back from Grattan asking for a doctors letter confirming my illness, then they may think about freezing interest, can they do this?

[dx100uk]

as post 2 tell them don't ask

 

 

dx