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Hi All
As some of you may know I am currently in a self administered DMP with guidance from the CCCS who helped me put together my I/E sheet and prorata offer to my creditors.
Almost all of them have accepted, the only real fly in the ointment being AMEX and their DCA AIC.
I think this one may go 'all the way' as they have been completely unco-operate thoughout (not to mention several breaches of OFT guidelines)
As I suspect this is the likely one to go to court I thought I would ask you good people for some help with correspondance to improve my chances should it get that far by making this lot look as unreasonable as possible.
To help you this is the timeline so far:
Sep 2009 defaulted on AMEX CC and account was passed to AIC (however they have not 'bought' the debt)
Nov 2009 agreed a monthly figure with AIC (which was more than I could afford and consequently paying this led me further into debt)
Paid this amount until August 2010
July 2010 contacted CCCS and got advice that DMP was the best route for me. With help from CCCS set up my I/E and pro rata offer to creditors
13th August - Email to AIC informing them of financial difficulty and DMP and new monthly payment proposal
13th August - AIC refuse my DMP offer and also refuse to even pass my offer to AMEX (in breach of OFT guidelines)
14th August - Email to AIC informing them this is the max amount I can afford and payment will be made to show my intention of paying the debt
15th August - Email from AIC informing me that they are still refusing my offer
21st August - Letter from AIC refusing payment
26th August - Letter to AIC confirming set up of DMP and first payment will be made as per DMP
1st Sep - Payment made to AIC as per DMP
Today - See letter from AIC attached to post
Now I'm thinking that this is a standard 'threat-o-gram' and was going to respond via post along the lines of:
You are aware of my DMP and financial situation
My DMP shows my serious intent of dealing with my debt
You have refused to even pass on my reasonable offer to your client (counter to OFT guidelines)
If you go to court I will present this information asI believe it contrary to the courts over-riding objectives
What do you think?
Thanks in advance
Crispy
As some of you may know I am currently in a self administered DMP with guidance from the CCCS who helped me put together my I/E sheet and prorata offer to my creditors.
Almost all of them have accepted, the only real fly in the ointment being AMEX and their DCA AIC.
I think this one may go 'all the way' as they have been completely unco-operate thoughout (not to mention several breaches of OFT guidelines)
As I suspect this is the likely one to go to court I thought I would ask you good people for some help with correspondance to improve my chances should it get that far by making this lot look as unreasonable as possible.
To help you this is the timeline so far:
Sep 2009 defaulted on AMEX CC and account was passed to AIC (however they have not 'bought' the debt)
Nov 2009 agreed a monthly figure with AIC (which was more than I could afford and consequently paying this led me further into debt)
Paid this amount until August 2010
July 2010 contacted CCCS and got advice that DMP was the best route for me. With help from CCCS set up my I/E and pro rata offer to creditors
13th August - Email to AIC informing them of financial difficulty and DMP and new monthly payment proposal
13th August - AIC refuse my DMP offer and also refuse to even pass my offer to AMEX (in breach of OFT guidelines)
14th August - Email to AIC informing them this is the max amount I can afford and payment will be made to show my intention of paying the debt
15th August - Email from AIC informing me that they are still refusing my offer
21st August - Letter from AIC refusing payment
26th August - Letter to AIC confirming set up of DMP and first payment will be made as per DMP
1st Sep - Payment made to AIC as per DMP
Today - See letter from AIC attached to post
Now I'm thinking that this is a standard 'threat-o-gram' and was going to respond via post along the lines of:
You are aware of my DMP and financial situation
My DMP shows my serious intent of dealing with my debt
You have refused to even pass on my reasonable offer to your client (counter to OFT guidelines)
If you go to court I will present this information asI believe it contrary to the courts over-riding objectives
What do you think?
Thanks in advance
Crispy
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