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Good Evening All.
I seek a bit of assistance in drafting a solid and professional letter.
I am sick of being lied to and being treated like general rubbish.
I have made mistakes and worked hard to clear my name with bad debts. In 1999 I landed myself a CCJ via Abbey National. This I since have found out only lasts for six years. The company that have taken on / bought the debt is 'EquiDebt' and have continued to increase the payment without my consent. They say on their letters that they will review my account every 3 months. Would it be fair to expect that I should consulted for a fair review? This does not happen.
When the payment shot up to just under 3.5 times the original agreement I complained about the rise. I was asked to give a full expenditure statement over the phone. Shortly after this, I checked my bank statement and the payment taken was wrong. I also received a arrears notice threatening legal action and marks on my credit fille (a standard letter). This was admittley their mistake. I requested a personally signed letter confirming all this along with the new payment and date of commencement. I surprisingly received such a letter. I checked my bank statement and low and behold it was wrong. The unreduced payment had been taken. I called and asked to speak to the lady who signed the letter and was called back earlier today (06/09/10) and I asked her if she signed the letter to which she replied yes. I proceeded to ask if she was familiar with the content to which she replied no. I asked her if she had prepared to take the call as she had no idea what I had called about. After this I requested that all correspondance be made through their Compliance / Complaints department.
Enough of my story telling........ Can anyone help me draft a letter to get these animals of my back and do things by the book. Today I attended an appointment at my GP as I suffering from stress and have been reffered for councelling.
Thanks for reading
Chris Hicks
I seek a bit of assistance in drafting a solid and professional letter.
I am sick of being lied to and being treated like general rubbish.
I have made mistakes and worked hard to clear my name with bad debts. In 1999 I landed myself a CCJ via Abbey National. This I since have found out only lasts for six years. The company that have taken on / bought the debt is 'EquiDebt' and have continued to increase the payment without my consent. They say on their letters that they will review my account every 3 months. Would it be fair to expect that I should consulted for a fair review? This does not happen.
When the payment shot up to just under 3.5 times the original agreement I complained about the rise. I was asked to give a full expenditure statement over the phone. Shortly after this, I checked my bank statement and the payment taken was wrong. I also received a arrears notice threatening legal action and marks on my credit fille (a standard letter). This was admittley their mistake. I requested a personally signed letter confirming all this along with the new payment and date of commencement. I surprisingly received such a letter. I checked my bank statement and low and behold it was wrong. The unreduced payment had been taken. I called and asked to speak to the lady who signed the letter and was called back earlier today (06/09/10) and I asked her if she signed the letter to which she replied yes. I proceeded to ask if she was familiar with the content to which she replied no. I asked her if she had prepared to take the call as she had no idea what I had called about. After this I requested that all correspondance be made through their Compliance / Complaints department.
Enough of my story telling........ Can anyone help me draft a letter to get these animals of my back and do things by the book. Today I attended an appointment at my GP as I suffering from stress and have been reffered for councelling.
Thanks for reading
Chris Hicks
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