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  • #16
    Originally posted by Colin G Quinn View Post
    Hi again,

    Just to clarify, a creditor does not have to actually issue a Letter of Claim. If there is a compelling reason not to do so, such as Limitation being imminent.
    well that has depressed me

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    • #17
      Hi,

      Rather than looking at it as being depressing, take it as being put on notice of what may happen, rather than being taken by surprise later down the line.
      Legal Disclaimer

      I am a Litigation Executive at
      Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at colin@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

      Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

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      • #18
        Originally posted by Mrreese6018 View Post
        well that has depressed me


        No need to focus on the 'what ifs' - stay focused on the positives like the fact that Intrum is not authorised by the FCA to exercise the rights of a lender such as issuing legal proceedings, although that doesn't mean they won't try but they'll have to argue their way out of that problem.

        They'll also have to jump through a hoop to comply with your s 77-79 CCA Request once you send it to them, ideally not until the last minute when/if they send you a Letter of Claim.

        As Mark Twain once famously said >




        Di

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        • #19
          Originally posted by PlanB View Post



          No need to focus on the 'what ifs' - stay focused on the positives like the fact that Intrum is not authorised by the FCA to exercise the rights of a lender such as issuing legal proceedings, although that doesn't mean they won't try but they'll have to argue their way out of that problem.

          They'll also have to jump through a hoop to comply with your s 77-79 CCA Request once you send it to them, ideally not until the last minute when/if they send you a Letter of Claim.

          As Mark Twain once famously said >




          Di
          Thanks Di,

          I'm at that stage now where I can see a light at the end of the tunnel, I just don't want it to take unexpected turns.

          Comment


          • #20
            Originally posted by Mrreese6018 View Post

            Thanks Di,

            I'm at that stage now where I can see a light at the end of the tunnel, I just don't want it to take unexpected turns.
            unfortunately none of us humans have the ability to see the future-despite those that claim too. So using your energy on worrying on what may never happen will exhaust you and stop you from leading a full life. It has taken many years of trials and tribulations but I have finally come to understand that unless it’s in front of me here and now then it ain’t worth a second thought. I’m sure you could find better things to think on that may enhance your life?

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            • #21

              oh and remember you’re already in battle with those that are already on the back foot they just don’t know it yet!

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