Debt - I want them cleared

[mrsslocombe]

I have a few debts with Robbers Way and I want them cleared off.

 

Really fed up to back teeth of dealing with them.

 

A friend of mine will kindly borrow me the money and I would sooner pay her than these vultures.

 

Debts I have is

an overdraft which Santander closed back in 2010.

I have been on a repayment plan offering them £5 ever since.

Paid each month and on time.

Current balance around £1,200

 

A credit card which is about £300.00 again similar arrangement.

 

Now what do I offer them?

I am on benefits.....I did offer £100.00 and told me NO before.

 

Is there any formula i could use to determine what I pay and ask for help off my friend for.

I do want to keep it low as possible but I want these now off my back.

 

Any advice on what to offer...and if they reject it what to do>?

[dx100uk]

why do you think you should even blindly continue to pay a DCA

let alone settle debts with them

when they have no legal powers to actually demand anything from you in the first place?

they ARE NOT BAILIFFS.

 

doesn't it make you think for even one minute

why a multi national bank didn't take you to court themselves first?

rathe than selling the debt on to a debt buyer?

 

tell us the history please

 

on the credit card..when did you take it out and who is the OC?

have you sent robbersway a CCA request?

[renegadeimp]

If robbers way have the debt then it's unenforceable in some way and you need to find out what that is

[Stigman]

Now what do I offer them?

I am on benefits

 

Whatever you do pay in future drop it to £1 per calendar month, your on limited income so therefore you pay only the nominal amount.

Robbers Way will kick off but let them, do not ask, you tell them that the payment is dropping to £1 pcm, make sure that you tell them in writing as well, never phone a DCA.

 

If any DCA phones you, you have no legal obligation to speak to them, refuse to go through DPA and hang up.

 

As to the £300 Credit Card debt, send Robbers Way a CCA request to stall them while you either go through statements or Subject Access Request the Original Creditor to reclaim against charges and any PPI.

 

Stigman

[Bazooka Boo]

The CC you set up a standing order, so you have control over your account, NOT them, and pay £1 a month.

 

The overdraft, you reclaim ALL of the late payment fees and charges AND interest on those fees and charges using the hardship letter, and again you pay via SO @ £1 a month.