GDPR Cookie Consent by SimpleServe Privacy Script Getting myself out of debt - AAD Consumer Forum

Announcement

Collapse
No announcement yet.

Getting myself out of debt

Collapse
X
Collapse
 
  • Page of 33
  • Filter
  • Time
  • Show
Clear All
new posts
Previous 1 22 23 24 25 26 27 28 29 30 31 32 33 template Next
  • #466
    "It doesn’t take a genius to work out who’s who and what’s what from a DCA perspective if they really wanted to?"

    I seriously doubt the veracity of that statement. People here alert posters if they have inadvertently posted any identifiable information, and a Mod will often quickly redact it on their behalf. If you find the way the site works so comical, again one wonders why you bother to be here.

    Comment

    • #467
      debrag it is your account, I apologise for the content, may I ask you to continue your case from now on, (no more childish bickering) we are here for debrag not one upmanship. - end of:-
      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

      Comment

      • #468
        debrag I have been reading back- can I ask what happened with the PDL that Lantern and Moray Law made a claim for? Did it ever get to court. Sorry I have read many pages but can't see a resolution.

        Comment

        • #469
          Originally posted by debrag View Post
          Debt: SafetyNet Credit
          Opened: October 2017
          Type: OD style loan
          Current Balance: £1214
          Last payment: September 2019
          Last fill payment: September 2019
          Arrangement: None
          Status: Arrears/Dormant October 2019
          2020
          November - installment reminder/hold email received
          November - affordable arrangement email received

          2021
          February - arrangement set up email received
          February - installment reminder email received
          February - affordable arrangement email received
          May - set up plan email received x 3
          May - NOSIA notice of sums of arrears email received

          2022
          April - affordable arrangement email received
          July - cost of living/help email received
          July - affordable arrangement email received
          August - monthly statement email received
          August - please log onto your dashboard email received
          September - monthly statement email received
          October - monthly statement email received
          October - NOSIA notice of sums of arrears email received
          November - monthly statement email received
          December - monthly statement email received

          2023
          January - monthly statement email received
          January - administration email received
          February - monthly statement email received
          March - monthly statement email received
          April - monthly statement email received
          May - monthly statement email received
          May - Arrears letter + email arrived
          July - email & text to tell me to set up a payment plan - account now on hold for 14 days.
          Now have received a text to set up payment plan and an email to say the same thing plus that my account is on hold for 14 days to allow my time to set it up. Will I ever be defaulted lol

          Comment

          • #470
            Originally posted by debrag View Post

            Now have received a text to set up payment plan and an email to say the same thing plus that my account is on hold for 14 days to allow my time to set it up. Will I ever be defaulted lol
            SILENCE is golden!
            • 2 likes

            Comment

            • #471
              Originally posted by Roger View Post

              SILENCE is golden!
              oh I'm not going to rock the boat in anyway lol
              • 2 likes

              Comment

              • #472
                Originally posted by debrag View Post
                Debt: SafetyNet Credit
                Opened: October 2017
                Type: OD style loan
                Current Balance: £1214
                Last payment: September 2019
                Last fill payment: September 2019
                Arrangement: None
                Status: Arrears/Dormant October 2019
                2020
                November - installment reminder/hold email received
                November - affordable arrangement email received

                2021
                February - arrangement set up email received
                February - installment reminder email received
                February - affordable arrangement email received
                May - set up plan email received x 3
                May - NOSIA notice of sums of arrears email received

                2022
                April - affordable arrangement email received
                July - cost of living/help email received
                July - affordable arrangement email received
                August - monthly statement email received
                August - please log onto your dashboard email received
                September - monthly statement email received
                October - monthly statement email received
                October - NOSIA notice of sums of arrears email received
                November - monthly statement email received
                December - monthly statement email received

                2023
                January - monthly statement email received
                January - administration email received
                February - monthly statement email received
                March - monthly statement email received
                April - monthly statement email received
                May - monthly statement email received
                May - Arrears letter + email arrived
                June - email & text to tell me to set up a payment plan - account now on hold for 14 days.
                July - statement email
                July - email to tell me from 4th august phone line and live chat will stop working.
                They finally defaulted me, date of default 30th June 2023. Wonder if they will continue to chase as it looks like they are closing down finally, as least they phone lines are.
                • 2 likes

                Comment

                • #473
                  Originally posted by debrag View Post
                  Debt: SafetyNet Credit
                  Opened: October 2017
                  Type: OD style loan
                  Current Balance: £1214
                  Last payment: September 2019
                  Last fill payment: September 2019
                  Arrangement: None
                  Status: Arrears/Dormant October 2019
                  2020
                  November - installment reminder/hold email received
                  November - affordable arrangement email received

                  2021
                  February - arrangement set up email received
                  February - installment reminder email received
                  February - affordable arrangement email received
                  May - set up plan email received x 3
                  May - NOSIA notice of sums of arrears email received

                  2022
                  April - affordable arrangement email received
                  July - cost of living/help email received
                  July - affordable arrangement email received
                  August - monthly statement email received
                  August - please log onto your dashboard email received
                  September - monthly statement email received
                  October - monthly statement email received
                  October - NOSIA notice of sums of arrears email received
                  November - monthly statement email received
                  December - monthly statement email received

                  2023
                  January - monthly statement email received
                  January - administration email received
                  February - monthly statement email received
                  March - monthly statement email received
                  April - monthly statement email received
                  May - monthly statement email received
                  May - Arrears letter + email arrived
                  June - email & text to tell me to set up a payment plan - account now on hold for 14 days.
                  July - statement email
                  July - email to tell me from 4th august phone line and live chat will stop working.
                  August - statement email
                  September - statement email
                  October - recovery instruction letter received by email from                   Credit Resource Solutions ltd.
                  Latest correspondence:

                  We have been instructed by SafetyNet to arrange payment of the outstanding balance of xxxx. You are
                  currently in arrears of xxxx and need you to contact us at your earliest convenience to resolve this matter
                  quickly and easily. Note, all future communication regarding this matter will now be with us.

                  The balance relates to the following loan: xxxxx

                  The quickest and easiest way to set your account back up under arrangement is through our website. Please
                  follow the links included in this email.
                  To manage your account and make payment today, log into www.mycrs.co.uk using your CRS reference
                  number. Alternative payment options and contact details can be found on the reverse of this letter.

                  Just another ignore letter? The last time I paid anything was September 2019, so not long to go til SB. Then I will contact then to sort out my incorrect default date.

                  Comment

                  • #474
                    ignore unless any serious paperwork come thru
                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.
                    • 1 like

                    Comment

                    • #475
                      Will doing the affordability complaint show I've acknowledged the debt?
                      Last edited by debrag; 29 October 2023, 11:10.

                      Comment

                      • #476
                        Originally posted by debrag View Post
                        Will doing the affordability complaint show I've acknowledged the debt?
                        Well, yes.
                        • 1 like

                        Comment

                        • #477
                          Originally posted by Still Waving View Post
                          Originally posted by debrag View Post
                          Will doing the affordability complaint show I've acknowledged the debt?
                          Well, yes.
                          With Statute Bar it best to be a pessimist! Worse Date and then SILENCE let the months/years roll on

                          Comment

                          • #478
                            Originally posted by debrag View Post
                            Will doing the affordability complaint show I've acknowledged the debt?
                            If you think about it, hey lender, that money you lent me, you shouldn’t have because it was unaffordable.

                            I know that sounds a tad sarcastic, not intended to be. Pretty certain it acknowledges the debt especially if you put it in writing.

                            Comment

                            • #479
                              I knew the answer was yes lol I don't know why i even asked.

                              Comment

                              • #480
                                Originally posted by debrag View Post
                                Debt: SafetyNet Credit
                                Opened: October 2017
                                Type: OD style loan
                                Current Balance: £1214
                                Last payment: September 2019
                                Last fill payment: September 2019
                                Arrangement: None
                                Status: Arrears/Dormant October 2019
                                2020
                                November - installment reminder/hold email received
                                November - affordable arrangement email received

                                2021
                                February - arrangement set up email received
                                February - installment reminder email received
                                February - affordable arrangement email received
                                May - set up plan email received x 3
                                May - NOSIA notice of sums of arrears email received

                                2022
                                April - affordable arrangement email received
                                July - cost of living/help email received
                                July - affordable arrangement email received
                                August - monthly statement email received
                                August - please log onto your dashboard email received
                                September - monthly statement email received
                                October - monthly statement email received
                                October - NOSIA notice of sums of arrears email received
                                November - monthly statement email received
                                December - monthly statement email received

                                2023
                                January - monthly statement email received
                                January - administration email received
                                February - monthly statement email received
                                March - monthly statement email received
                                April - monthly statement email received
                                May - monthly statement email received
                                May - Arrears letter + email arrived
                                June - email & text to tell me to set up a payment plan - account now on hold for 14 days.
                                July - statement email
                                July - email to tell me fro 4th august phone line and live chat will stop working.
                                August - statement email
                                September - statement email
                                October - recovery instruction letter received by email from                                 Credit Resource Solutions ltd.
                                December - 25% discount offer email. will ignore
                                Now received a 25% discount offer, they can go and jump.

                                As this debt has a completely wrong default date, how do I clean up my file once it has become SB (if it does). Should I just leave it alone til the default date they have? I of course don't want to acknowledge the debt at any point. I have 2 years left or 5+ years according to them. Is SB from default date or last payment/acknowledgement?

                                Comment

                                Previous 1 22 23 24 25 26 27 28 29 30 31 32 33 template Next
                                Working...
                                X