Difference between revisions of "Creditors and DCAs"
(→Letter F - When a creditor has turned down an offer of payment, interest is still being added, and you want the creditor to take you to court.) |
(→Letter G - When creditors have turned down an offer of payment, interest is still being added but you don’t want to go to court) |
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Re: Account/Reference Number <span style="color:red">4563210025897412 </SPAN> | Re: Account/Reference Number <span style="color:red">4563210025897412 </SPAN> | ||
− | Thank you for your letter of | + | Thank you for your letter of <span style="color:red">23/06/2006 </SPAN> |
− | As we have already explained, we can only afford £71 per month at the present time. This is the only realistic payment proposal bearing in mind the enclosed personal budget sheet. | + | . We are very disappointed that we seem unable to reach a satisfactory compromise in this case. |
+ | |||
+ | As we have already explained, we can only afford <span style="color:red">£71 per month</SPAN> | ||
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+ | at the present time. This is the only realistic payment proposal bearing in mind the enclosed personal budget sheet. | ||
You have stated in correspondence your intention to commence proceedings in the county court against us. The commencement of legal proceedings under such circumstances could be counter to the ‘Overriding Objectives’ of the new Civil Procedure Rules. You will be aware that the Overriding Objectives underpin everything the court does. Moreover, paragraph 4 of the Protocols Practice Direction states that in cases not covered by an approved pre−action protocol, the court will expect the parties “to act reasonably…….. In trying to avoid the necessity for the start of proceedings”. | You have stated in correspondence your intention to commence proceedings in the county court against us. The commencement of legal proceedings under such circumstances could be counter to the ‘Overriding Objectives’ of the new Civil Procedure Rules. You will be aware that the Overriding Objectives underpin everything the court does. Moreover, paragraph 4 of the Protocols Practice Direction states that in cases not covered by an approved pre−action protocol, the court will expect the parties “to act reasonably…….. In trying to avoid the necessity for the start of proceedings”. | ||
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We would suggest that your refusal to accept our offer could be viewed as unreasonable and we would ask the court to consider this matter with reference to the Overriding Objectives. | We would suggest that your refusal to accept our offer could be viewed as unreasonable and we would ask the court to consider this matter with reference to the Overriding Objectives. | ||
− | The offer of £71 is of course still open to you to accept. | + | The offer of <span style="color:red">£71 </SPAN> |
+ | |||
+ | is of course still open to you to accept. | ||
Yours faithfully | Yours faithfully | ||
</div></blockquote> | </div></blockquote> | ||
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== Letter H - When a creditor asks you to agree to a voluntary charge against your home == | == Letter H - When a creditor asks you to agree to a voluntary charge against your home == |
Revision as of 19:29, 17 July 2007
Contents
- 1 Template letters to creditors and DCA's
- 2 Letter A - Ask your creditors to hold action on your account
- 3 Letter B - Ask your creditors to accept pro rata offers of payment on your debts
- 4 Letter C - Ask your creditors to accept a token payment or no payment on your debts
- 5 Letter D - When a creditor refuses your offer of payment
- 6 Letter E - When a creditor refuses to freeze interest on your account
- 7 Letter F - When a creditor has turned down an offer of payment, interest is still being added, and you want the creditor to take you to court.
- 8 Letter G - When creditors have turned down an offer of payment, interest is still being added but you don’t want to go to court
- 9 Letter H - When a creditor asks you to agree to a voluntary charge against your home
- 10 Letter I - Request for a stay of execution in the High Court
- 11 Letter J - Full and final settlement for any debt
- 12 Letter K - Ask creditors to write off the debt due to your circumstances
- 13 Letter L - Ask your creditors to reconsider if they refuse to write off the debt
- 14 Letter M - Dispute your liability for a debt where a creditor has not contacted you for over six years
- 15 Letter N - Ask your creditor for a copy of your credit agreement under the Consumer Credit Act 1974
- 16 Letter O - Mortgage shortfalls: Breakdown of balance owed
- 17 Letter P - Mortgage shortfalls: Please write off the debt
- 18 Letter Q - Mortgage shortfalls: Full and final settlement letter
- 19 Letter R - Mortgage shortfalls: Lender should not pursue under CML policy
- 20 Letter S - Inform your creditor that you are terminating your hire purchase/condition
Template letters to creditors and DCA's
Creditors and DCAs - Letter Templates & Budget Planner
Some of these letters refer to a budget planner. Here is a simple budget planner which you can fill in to work out how much you can afford to offer your creditors, and you can print this and send with the relevant letter:
Budget PlannerThere are both Excel and On-line versions
The letters are as follows:
Letter A - Ask your creditors to hold action on your account
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Letter B - Ask your creditors to accept pro rata offers of payment on your debts
|
Letter C - Ask your creditors to accept a token payment or no payment on your debts
|
Letter D - When a creditor refuses your offer of payment
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Letter E - When a creditor refuses to freeze interest on your account
|
Letter F - When a creditor has turned down an offer of payment, interest is still being added, and you want the creditor to take you to court.
|
Letter G - When creditors have turned down an offer of payment, interest is still being added but you don’t want to go to court
|
Letter H - When a creditor asks you to agree to a voluntary charge against your home
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Letter I - Request for a stay of execution in the High Court
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Letter J - Full and final settlement for any debt
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Letter K - Ask creditors to write off the debt due to your circumstances
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Letter L - Ask your creditors to reconsider if they refuse to write off the debt
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Letter M - Dispute your liability for a debt where a creditor has not contacted you for over six years
|
Letter N - Ask your creditor for a copy of your credit agreement under the Consumer Credit Act 1974
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Letter O - Mortgage shortfalls: Breakdown of balance owed
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Letter P - Mortgage shortfalls: Please write off the debt
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Letter Q - Mortgage shortfalls: Full and final settlement letter
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Letter R - Mortgage shortfalls: Lender should not pursue under CML policy
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Letter S - Inform your creditor that you are terminating your hire purchase/condition
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