Anyway I called payplan this morning and the woman said that because citifinacial have already agreed the plan to be paying them back the £1,800 that they dont change the amount in the middle of a plan, that when it comes to near the end of the plan they will get an update of the amount owed and if it is in credit then they will get Citifinacial to refund the amount i have overpaid them by.
This just seems really bizarre?? Is this right?? Surely it would be better to get all the amounts sorted out now? when i spoke to a guy from payplan about it when I first realised and sent out the letters stating the balances to payplan (and the lady today said theres no record on the system even though i sent them at the beginning of feb!) he said that citi probably agreed to that amount because its higher than what i owe them and they prob thought if they could get more out of me then they would!!
Eek! I rang the Debt helpline charity number last week anyway to get some information sent out which i recieved today about Wescot adding charges to my Natwest account (£200 legal fees although it never went to court) which from the guidelines it seems are unfair they seem to have just slapped them on, so the £1,800 which has now been passed onto First Credit should actually be £200, so i need to go through the process of complaining about that, writing letters to Wescot and First Credit etc. Has anyone had any experience of doing this?
Anyway, apparentyl in the info that they sent me i can ask for them to send me a copy of the balance and breakdown of any charges etc, if i enclose a £1 payment etc.
Anyone had any experience of that?
Any advice would be very gratefully received as i thought i was getting my debts sorted but now feel more depressed than ever!!