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Hi all
I have a £3k debt with Lloyds TSB CC which I have been struggling to pay. I contacted CCCS at the beginning of the year and on their advice wrote to them and explained my financial situation and that it was unlikely to improve abs subsequently offered them £1 a month token payment.
They accepted this and stopped interest and charges and I have been making the token payments every month. They said they would pass the accounts to their consumer debt recovery team.
I haven't heard anything further from them since January. So you can imagine my surprise when I had a recorded message from Westcot yesterday asking me to contact them.
Incidentally I've just been given a small sum of money £700 which I was looking to see whether Lloyds would accept as FFS but when I called them today they wouldn't speak to me ans passed me straight to Westcot. She did ask whether I'd had any letter from them (I haven't).
I called Westcot and explained the situation and what I had to offer. He first refused to even put it to Lloyds until I insisted and I gave him a financial statement of income etc.
Now I know I shouldn't have spoken to the parasites but I genuinely want to pay the money to them. They won't be able to get anymore as I just dont have it.
My question is, why wasn't I told it was passed on before Lloyds' CDR team even contacted me. I would have thought that they'd have tried to arrange something first? The time span seems short, 4 months or so and I've made regular payments as agreed.
Also, the man at Westcot gave me his 'we can't accept less than 75%' spiel and I just laughed as we all know something is better than nothing and I'd rather resolve this now, if possible. The offer is almost 25% of the debt - I could make up the small shortfall I'm sure.
What shall I do next? Stop speaking to Westcot is first on my list, Lloyds handily passed on all my numbers though...
I have a £3k debt with Lloyds TSB CC which I have been struggling to pay. I contacted CCCS at the beginning of the year and on their advice wrote to them and explained my financial situation and that it was unlikely to improve abs subsequently offered them £1 a month token payment.
They accepted this and stopped interest and charges and I have been making the token payments every month. They said they would pass the accounts to their consumer debt recovery team.
I haven't heard anything further from them since January. So you can imagine my surprise when I had a recorded message from Westcot yesterday asking me to contact them.
Incidentally I've just been given a small sum of money £700 which I was looking to see whether Lloyds would accept as FFS but when I called them today they wouldn't speak to me ans passed me straight to Westcot. She did ask whether I'd had any letter from them (I haven't).
I called Westcot and explained the situation and what I had to offer. He first refused to even put it to Lloyds until I insisted and I gave him a financial statement of income etc.
Now I know I shouldn't have spoken to the parasites but I genuinely want to pay the money to them. They won't be able to get anymore as I just dont have it.
My question is, why wasn't I told it was passed on before Lloyds' CDR team even contacted me. I would have thought that they'd have tried to arrange something first? The time span seems short, 4 months or so and I've made regular payments as agreed.
Also, the man at Westcot gave me his 'we can't accept less than 75%' spiel and I just laughed as we all know something is better than nothing and I'd rather resolve this now, if possible. The offer is almost 25% of the debt - I could make up the small shortfall I'm sure.
What shall I do next? Stop speaking to Westcot is first on my list, Lloyds handily passed on all my numbers though...
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