Hi,
thanks for your reply!
I haven't got the budget here now, since it's a while a go since I set up the budget, and have moved a few times, since I set it up first.
But, I'm still unemployed, and only get around £140 each forthnight, in Jobseekers Allowance.
And the other crediors, have accepted my token-payment-offer, a year almost ago.
But Capital One, (who Wescot enquires about my debt to), have been difficult towards me, I think.
Capital One have told me my signature isn't mine, and things like that, so the process have been delayed.
I think they are unreasonable if they want me to set up a new budget just because of them, when I'm still unemployed.
When I only get the jobseekers allowance, then they should understand that I need these money for food and clothes, etc.
It isn't my fault that they didn't recognise my signature at the company they co-operate with, that's Capital One.
I think they are unreasonable.
The Liverpool City Council recently contacted me about a Council Tax-debt, from the same time, (when I worked as Self Employed, and I hadn't heard about income-support, so my economy was bad).
And I just explained to the Council that I was unemployed, and then I didn't have to fill out the income and expenditure-form.
The Council just sent my debt to the Jobcentre.
And this was even a priority debt.
My budget isn't that in detail now, since I've been moving a couple of times.
What difference does it make if what I use my few punds on, if one only get around £140 a fourtnight, then one aren't going to be rich anyway.
So I have really explained my situation I think.
In Norway we aren't that organised always, so I don't write up what I use every penny on.
But it isn't that much money I get anyway, so I think Wescot should just accept my offer, on £1 token-payment a month.
Best regards,
Erik Ribsskog
On Mon, Aug 20, 2012 at 5:37 PM, Q&A
<contactus@cccs.co.uk> wrote:
Good afternoon
Thank you for your email.
There isn't anything in the Consumer credit Act that
states you must supply these details to a creditor. You can always provide them
a copy of the budget and list of creditors that you have done through
us.
Regardless of whether they accept the offer or not
please continue to make the token payment.
Kind regards
Jonathan
P Please consider the environment before printing this e-mail.
From: Erik Ribsskog [mailto:eribsskog@gmail.com]
Sent: 19 August 2012 20:59
To: Q&A
Cc:
offers@wescot.co.uk
Subject: Problems with Wescot/Fwd: Update/Fwd:
Wescot reference: D3/49597867 (Regarding Capital One-debt).
Hi,
I've told Wescot I'm unemployed and have offered them a £1 monthly
token-payment untill I find new employment.
(Like I've offered my other creditors).
Wescot don't accept but wants me to fill out an income and
expenditure-form.
I can't remember that you at CCCS have mentioned that I have to fill
out a form like that, when I do budget-work.
It's like they go a bit to close, and this seems unecessary, to
me.
What do you think at CCCS about this?
Does the law say that I have
to fill out a form like that?
I attach the letter from Wescot.
Yours sincerely,
Erik Ribsskog
———- Forwarded message ———-
From:
Erik Ribsskog <eribsskog@gmail.com>
Date:
Fri, Aug 10, 2012 at 10:35 PM
Subject: Update/Fwd: Wescot reference:
D3/49597867 (Regarding Capital One-debt).
To: offers@wescot.co.uk
Hi,
I got an income and expenditure-form, in the post, from you, earlier this
week.
I don't understand the point in me filling out that form.
I've already told you that I'm on budget in co-operation, with the
CCCS, and that I only can afford to pay a token-payment, (on £1), untill I find
new employment.
So this is my offer.
I don't understand why you send me this
form.
I think is unnessesary paper-work then.
None of my other creditors have sent me a form like that.
They
have just accepted my token-payment-offer.
So I hope you can set up a direct debit-agreement, for £1 a month, for this
debt.
Hope this is alright!
Best regards,
Erik Ribsskog
———- Forwarded message ———-
From:
Erik Ribsskog <eribsskog@gmail.com>
Date: Sat, Jul 21, 2012 at
10:31 AM
Subject: Wescot reference: D3/49597867 (Regarding Capital
One-debt).
To: offers@wescot.co.uk
Hi,
I'm refering to your letter from 19/7, which I got in the post today.
I'm currently unemployed, and on a budget in co-operation, with
CCCS.
My offer to you is the same as to my other creditors, and that is that I
pay a one pound token-payment, each month, until I find new employment.
Hope this is alright!
Yours sincerely,
Erik Ribsskog
