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sunnylolly - Diary

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  • sunnylolly - Diary

    This is my starting diary, I hope it is in the correct place. Here goes:
    p.s. going to do a separate post for each one.

  • #2
    Yes, that is the correct way to do it.

    Comment


    • #3
      M&S MasterCard Credit Card - formerly Chargecard/Store card think a new card just turned up as a credit card one day.
      Date commenced - 25/6/97
      Balance 13276.98
      Last paid 30/4/18 309.75 minimum payment
      Have not been able to pay May or June minimum payment due to no income from business
      Status - Credit report from Noddle today 1/7/18 shows up to date.
      Account owner M&S Bank

      Correspondence
      Letter sent (Citizens advice template) explaining cashflow position, asking for balance outstanding and requesting hold on action for 3 months whilst I work out finances and requesting freeze on interest and charges to stop debt increasing and an explanation if they can't or won't do this. No response to that letter but 2 letters dated 20th June requesting phone calls. Ignored at this point.

      Received
      Letter dated 28/6/18 received 4/7/18 thanking me for letter above (citizens advice template) giving me 60 days whereby they won't chase payment but may send other correspondence. They won't stop charging interest until they agree a suitable repayment plan with me. Balance confirmed at 13276.98
      Last edited by sunnylolly; 8th July 2018, 14:38.

      Comment


      • #4
        Hi Still Waving do I post each one as a reply to my original as I have done with M&S above?

        Comment


        • #5
          Originally posted by sunnylolly View Post
          Hi Still Waving do I post each one as a reply to my original as I have done with M&S above?
          Hi

          Just put your new entry into the box under the most recent post which says "write something".

          Comment


          • #6
            Capital One Credit Card
            Date commenced - 13/4/01
            Balance 9539.08
            Last paid - 25/4/18 223.84 minimum payment
            Have not been able to pay May or June minimum payment due to no income from business
            Status - Credit report from Noddle today 1/7/18 shows up to date
            Account owner Capital One

            Correspondence

            Sent
            Letter sent (Citizens advice template) explaining cashflow position, asking for balance outstanding and requesting hold on action for 3 months whilst I work out finances and requesting freeze on interest and charges to stop debt increasing and an explanation if they can't or won't do this.

            Received
            No response to letter sent 20/6/18
            Letter received 27/6/18 offering to help me get back in control of my finances! Requesting me to complete an income and expenditure form and they will offer me a plan, have to respond within 30 days or complete over the phone. I am not keen on doing either and have not responded yet.

            dated 27/6/18 received 2/7/18 confirming balance 9539.08

            dated 3/7/18 received 7/7/18 Notice of Sums in Arrears.
            Last edited by sunnylolly; 8th July 2018, 16:33. Reason: Communication update

            Comment


            • #7
              Next Directory Store Card
              Date commenced 22/8/02
              Balance 1310.87
              Last paid 6/6/18 70.00 minimum payment
              Up to date but will not be able to make minimum payment due 10th July 2018.
              Status - up to date.
              Account owner Next pay

              Correspondence

              Not applicable yet as up to date.

              Comment


              • #8
                Post Office Credit Card
                Date commenced 20/10/06
                Balance 5780.28
                Date last paid 4/5/18 141.00 minimum payment
                Have not paid June and won't be able to pay July.
                Status - arrears by one month. (credit report shows up to date)
                Account owner - Post Office Money/Bank of Ireland

                Correspondence

                Sent
                Letter sent (Citizens advice template) explaining cashflow position, asking for balance outstanding and requesting hold on action for 3 months whilst I work out finances and requesting freeze on interest and charges to stop debt increasing and an explanation if they can't or won't do this.

                Received
                No response to above letter. Letter dated 21/6/18 requesting payment.

                Comment


                • #9
                  Play.Com/MBNA Credit Card
                  Date commenced 29/5/09
                  Balance 5942.25
                  Date last paid 30/4/18 136.26 minimum payment
                  Have not paid May and June.
                  Status arrears (credit report shows up to date)
                  Account owner MBNA

                  Correspondence

                  Sent
                  Letter sent (Citizens advice template) explaining cashflow position, asking for balance outstanding and requesting hold on action for 3 months whilst I work out finances and requesting freeze on interest and charges to stop debt increasing and an explanation if they can't or won't do this.

                  Received

                  Letter dated 29/6/18 received 5/7/18 agreeing to waive interest and fees for 30 days but want I&E completing then a phone call. Let them know if I need more time, even though I requested 3 months in my letter. Balance confirmed 5946.25
                  Letter dated 4/7/18 received 7/7/18 Notice of Sums in Arrears.
                  Last edited by sunnylolly; 8th July 2018, 14:41. Reason: Correspondence update

                  Comment


                  • #10
                    Sainsbury Bank Credit Card
                    Date commenced 6/5/10
                    Balance 4787.85
                    Date last paid 1/5/18 104.88 minimum payment
                    Have not paid June
                    Status arrears one month 104.90 (credit report shows up to date)
                    Account owner Sainsbury's Bank

                    Correspondence

                    Sent
                    Letter sent (Citizens advice template) explaining cashflow position, asking for balance outstanding and requesting hold on action for 3 months whilst I work out finances and requesting freeze on interest and charges to stop debt increasing and an explanation if they can't or won't do this.

                    Received
                    Letter requesting I bring account up to date.


                    Comment


                    • #11
                      First Direct Credit Card
                      Date commenced 15/7/10
                      Balance 8878.09
                      Date last paid 12/4/18 minimum payment 263.79
                      Have not paid May and June
                      Status arrears of 522.61 (2 months)
                      Account owner First Direct

                      Correspondence

                      Our main current account is with First Direct and is a joint account so my Husband spoke to them on the phone roughly a week ago and explained cash position, current account and both our credit cards they agree to freeze interest and charges for 3 months and wanted a 1 per month payment. They pushed hard for an income and expenditure on the phone which he said he couldn't do at that time they want a call back within the month with this information. We haven't paid the 1 yet as wasn't sure when to pay it etc.,

                      Received

                      18/6/18 letter and a Default Notice requiring payment of arrears by 10/7/18 - in phone call above to Husband they said ignore the default notice as he had spoken to them and made arrangements.

                      Comment


                      • #12
                        The following are in my Husband's name so I hope it is okay to include with mine:

                        MBNA credit card
                        Date commenced 3/8/05
                        Balance 8744.34
                        Date last paid 23/3/18 minimum payment 270.59
                        Have not paid April, May and June
                        Status arrears 828.42
                        Account owner MBNA

                        Communication

                        Sent

                        Husband spoke to them and explained situation, they pushed hard for Income and Expenditure on the phone he said he couldn't at that time, they agreed to 1 month freeze on interest and charges and no action but wanted a call back with income and expenditure which he has not done but we sent a citizens advice template letter explaining cashflow position further, asking for balance outstanding and requesting hold on action for 3 months whilst I work out finances and requesting freeze on interest and charges to stop debt increasing and an explanation if they can't or won't do this.

                        Received

                        dated 27/6/18 received 2/7/18 request to complete I&E
                        Last edited by sunnylolly; 8th July 2018, 16:34. Reason: Communication update

                        Comment


                        • #13
                          Post office credit card
                          Date commenced 8/3/07
                          Balance 6538.39
                          Date last paid 11/5/18 minimum payment 131.00
                          Have not paid June
                          Status arrears one month
                          Account owner Post office money credit card/Bank of Ireland

                          Communication

                          letter dated 28/6/18 received 7/7/18 requesting payment .
                          Last edited by sunnylolly; 8th July 2018, 14:43. Reason: Correspondence update

                          Comment


                          • #14
                            Nationwide credit card
                            Date commenced 16/4/09
                            Balance 11053.29 (strangely had a credit limit increase a few months ago which surprised us as credit limit poor and have only made minimum payments on all cards for a long time now)
                            Date last paid 11/6/18 331.08 minimum payment
                            Status up to date but won't be able to pay July.
                            Account owner Nationwide credit card services

                            Communication

                            None yet.
                            Last edited by sunnylolly; 1st July 2018, 17:43.

                            Comment


                            • #15
                              Asda Credit Card
                              Date commenced 27/4/10
                              Balance 1283.96
                              Date last paid 21/5/18 minimum payment 30.92
                              Arrears one month 30.62
                              Account owner New Day

                              Communication


                              Sent
                              Letter sent (Citizens advice template) explaining cashflow position, asking for balance outstanding and requesting hold on action for 3 months whilst I work out finances and requesting freeze on interest and charges to stop debt increasing and an explanation if they can't or won't do this.

                              Received

                              24/6/18 Default Sums notification late payment fee 12 and returned payment fee 12
                              25/6/18 Letter about missed payment
                              Phone calls daily up to about 9pm, at least 6 a day.
                              No response to letter sent above.

                              Comment

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