Hello

[EllaBella48]

Hi wondering if anyone can give me some advice please. I have a debt with a mail order company which has went to Caboot and now Nolans.
I am about to make an offer to pay around £30 per month however on the income and expenditure form they request the name of your employer. My question is do I need to provide this , I don't want to give them this data, I don't even like providing my details of Income and expenses as I find it very intrusive. I understand why they Want it but I can decide for myself what's manageable. If for example I was to say I was unemployed and my parents were offering to pay £30 per month to avoid providing details would they know ? For info this isn't at court stage yet this is just been passed to Nolan's and they have advised they will be happy to agree a payment plan .

[jaguarsuk]

You do not have to provide them with any details other than the offer and you don't need to make any excuses or tell any fibs as to why you are not. They either accept the offer or don't, they only want it to figure out if they can squeeze more out of you.

Have Nolans sent you a letter?

[EllaBella48]

Thanks for your reply , yes they sent me a letter with a Income and expenditure form , i emailed them and they said they couldn't accept my offer until I returned the form

[Amethyst]

Do you know when the debt defaulted / was last paid ? Or when it was first opened ?

A CCA request might be a good idea to help concentrate their minds on your offer. They do have to check that an offer is affordable for a debtor and wouldn't be taking funds away from priorities ( mortgage /rent /council tax etc ) https://www.handbook.fca.org.uk/handbook/CONC/7/3.html
is an idea of the guidance they are obliged to follow.

What you could do is go to CAB or Stepchange and get them to do an IE ( sfs - standard financial statement ) with you and calculate pro rata amounts for any debts incl this one - and use the summary from them when negotiating with Cabot - has more weight than doing it yourself.

You don't have to give them the name of your employer of course.

[EllaBella48]

Thanks for your reply -debt was last paid about this time last year , was opened a few years before that , I don't mind providing the income and expenditure however on the income and expenditure form it had a section for name and address of employer and when I googled what this might be for it mentioned some companies might phone and check you work there. This put me off providing it as I don't really want them phoning my employer .