Tweet
Hi everyone, I'm new here!
Basically, back in 2009, I decided to get myself a motorbike with a personal loan from black horse. Being 19 I thought this was a brilliant idea..Wrong. Months went by and I eventually lost my job, causing me to build a massive arrears, from March in 2010, to about August 2010, no payments were made to the loan. I managed to get a job in August,(only working about 15 hours or so) and got myself on a DMP to try and sort out this problem, as it was not only this loan that had built up over the year. Now having this DMP in place, they didn't really start getting any payments through until about December 2010.. From December 2010 until December 2011, I was on this DMP making token payments to black horse and all my other creditors, due to the low wage I was earning.
At the start of December 2011, I managed to get myself a proper job. Yay! While having a decent job, I have been making payments of £50-£100 to Black Horse every month. I missed my last month's payment due to writing my car off and having to get another one at such short notice, (I work about 20 mins drive from where I live) and phoned black horse this month to try and pay both month's payments... The jolly guy on the phone told me that my account had been passed over to Credit Style Limited. I got the number of this DCA and contacted them, they told me that one of their field agents is going to have to visit me to go through my income and expenditure and see what I can actually afford to pay them back. I asked them why I could not do this over the phone and was told that because the arrears amount is so high, they HAVE to come to my house. As you can imagine, I'm not that keen on the idea of debt collectors being in my house!
I also got a letter in the post this morning telling me to contact them, which of course i already have done..
So, what I am really trying to find out is, do these people have a right to deny me the option of doing this income and expenditure over the phone? Can they actually refuse when I tell them I want to do it over the phone? Do thier field agents have any power at all?
I hope I've covered everything, it's just getting me down. I live with my parents and I can't stand the thought of debt collectors coming to our house, I don't want to disappoint my parents so badly!!
Thanks for reading,
Basically, back in 2009, I decided to get myself a motorbike with a personal loan from black horse. Being 19 I thought this was a brilliant idea..Wrong. Months went by and I eventually lost my job, causing me to build a massive arrears, from March in 2010, to about August 2010, no payments were made to the loan. I managed to get a job in August,(only working about 15 hours or so) and got myself on a DMP to try and sort out this problem, as it was not only this loan that had built up over the year. Now having this DMP in place, they didn't really start getting any payments through until about December 2010.. From December 2010 until December 2011, I was on this DMP making token payments to black horse and all my other creditors, due to the low wage I was earning.
At the start of December 2011, I managed to get myself a proper job. Yay! While having a decent job, I have been making payments of £50-£100 to Black Horse every month. I missed my last month's payment due to writing my car off and having to get another one at such short notice, (I work about 20 mins drive from where I live) and phoned black horse this month to try and pay both month's payments... The jolly guy on the phone told me that my account had been passed over to Credit Style Limited. I got the number of this DCA and contacted them, they told me that one of their field agents is going to have to visit me to go through my income and expenditure and see what I can actually afford to pay them back. I asked them why I could not do this over the phone and was told that because the arrears amount is so high, they HAVE to come to my house. As you can imagine, I'm not that keen on the idea of debt collectors being in my house!
I also got a letter in the post this morning telling me to contact them, which of course i already have done..
So, what I am really trying to find out is, do these people have a right to deny me the option of doing this income and expenditure over the phone? Can they actually refuse when I tell them I want to do it over the phone? Do thier field agents have any power at all?
I hope I've covered everything, it's just getting me down. I live with my parents and I can't stand the thought of debt collectors coming to our house, I don't want to disappoint my parents so badly!!
Thanks for reading,
Comment