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FreshStart
Starting Member
United Kingdom
23 Posts |
 Posted - 11 July 2009 : 18:27:37
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I am just wondering, I have missed my payments for this month and so far I have not receive any phone calls or letters.
So am just thinking when will it start, not that I want it or anything lol.
Thanks again |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 11 July 2009 : 18:51:05
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Hi,
Usually within a week or two the calls and letters start.
The glimmer gets brighter all the time
Jan
xx |
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nicdavies75
New Member
United Kingdom
63 Posts |
Posted - 12 July 2009 : 07:59:23
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| my calls usually start within days of missing a payment. Also if its a credit card at the same bank as your current account they can take the arrears you owe them straight out of this account! Its happened to me, they took half my wages out to pay themselves, so was left short for the rest of the month.Now when i get paid, i make sure i pay the rent and council tax first,and transfer the rest to my internet saver account. They cant touch this. |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 12 July 2009 : 09:03:21
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I think they can only take out the payment if you have a DD set up. The only one's to do that to me were HSBC with our loan. Barclays never did it with the credit card.
Doesn't matter if you cancel the DD or SO, they will still take it out.
The glimmer gets brighter all the time
Jan
xx |
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debtinfo
forum expert
2826 Posts |
Posted - 12 July 2009 : 10:11:40
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| Nicdavies is right in that if you have a debt with the same company hat you have your bank accout, they can have a right of set off between accounts |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 12 July 2009 : 10:29:56
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It was only HSBC that did that with us, and only for the loan, not my credit card.
Barclaycard never even touched our account.
The glimmer gets brighter all the time
Jan
xx |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 12 July 2009 : 10:32:09
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Thinking about it, Halifax did do that as well - I had £34 in my saving account which was used for child benefit payments, and they took this to offset against a £20,000 debt!
How embarrassed was I when I went to withdraw it!
The glimmer gets brighter all the time
Jan
xx |
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FreshStart
Starting Member
United Kingdom
23 Posts |
Posted - 12 July 2009 : 10:49:45
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I'd be honest.. been living off overdraft for the last couple of years and would they take money from the overdraft facility to pay for the loans... they are all with the same bank?
Thanks again for all the replies. |
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Topic |
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When will it start?
