do i have to send an income expenditure form to debt collector

A question about : do i have to send an income expenditure form to debt collector

My littlewoods account was passed to arrow global / rma resolve in January

i pay them 28th evry month via standing order

Today i get a letter in stating that have not recieved payments since April ...i checked my bank and they have received one in May and again June and phoned them up they said disregard the letter as the missing payments are now showing

...He then went on to say that they needed and up to date income and expenditure form. I told them they were only getting what i was paying them as my income and cirmstances had not changed but cost of living had .

Do i have to fill it in and send it back?

...i previously had e a DMP with CAB but negotiated payments with the few creditors i have left and so far running well ( apart from littlewoods who are still being pain in the rears) ....i also sent LITTLEWOODS a prove it letter which they declined to respond to

Best answers:

• just keep on telling them your circumstances haven't changed, and just remind them if they take you to court it'll cost them more than it'll cost you
• Yep. Tell them if you have to reevaluate your payments it will be down, not up!
• Have you reduced the amount of the payment from what was agreed ?
• what sort of prove it letter? do you mean for a cca?
• Payment plans work both ways, if costs have gone up send them one.
• How old is the account? They might not have your agreement, hence ignoring you. Especially on old accounts.
  If you send them a written signed for complaint about the lack of response, they might cough to not having it. Shop direct did with me, but only after complaint.
• if its a cca from before april 2007 and the debt has been sold then send arrow/rma the cca request.
• Thanks for your replies, i think the account was from around 2002 or 2004 ..i will send another one recorded delivery to the company who now own it see if they reply.
  But i know littlewoods weren't any good in replying to many letters sent even from the CAB
  when they took over the account in jauary they said that i was to continue paying the same as i did to littlewoods
  on the phone today when i said i couldnt pay anymore at present he did say he wasnt asking me to increase it ..but they needed a up to date info on my financal situation / outgoings
  nottoolate .. i couldnt remember the name yes it is cca
• No, you don't have to give them your I&E. They don't want this to sanity check your payment. They want it to find levers to make you increase your payment, or decide to go for a CCJ. They have no other business with your information when you are making, and they are accepting payment.
  Please stay off the phone where you will just get BS and bullying. If you want to pay them, then continue to do so. If they ask for your I&E in writing, send back a letter explaining that your circumstances haven't changed since you started paying them.
  And definitely look in to sending them a CCA request.
• I wish everyone on here would calm down!
  All if these companies are fighting for license by the FCA which means they are not going to ask you to increase if you can't afford it.
  If the cost of living has gone up, send them a copy of it. If they ask you to increase, and you feel you can't.. Say no!
  There is nothing forcing you to increase and unless your figures are higher than the Common Financial Statement trigger figures they would have difficulty taking you to court.
  Stand up for yourself but there is no point sitting and ignoring them and trying to get one over. You don't have to agree to demands but be reasonable and you might be surprised!
• I don't disagree with the suggestion to send a CCA request as the debt is that old.
  But to answer the original question, no you don't have to send an I&E, but then they don't have to freeze interest and they can go to court for a CCJ... So sending them an I&E which shows you are paying them what you can afford is a sensible move.
• thanks for your replies but this query was from last year 2013
  they replied saying they would accept what was previously paying .
  . ..i ended up offering them a F&F which they accepted so one less to worry about
• It's nice to hear an outcome - so often you wonder what happened to someone.
  But it does drive me mad when someone resurrects an old thread AND DOESN'T SAY SO!!!
• Looks like it was me. It was a mistake - I read this board daily and only post up on posts I haven't read that day. How I replied to a year old post escapes me.