bankruptcy proceeding being considered

[nightwatch]

Re: bankruptcy proceeding being considered

just to be sure, when did you make ANY kind of payment to it, NW

[rod]

Re: bankruptcy proceeding being considered

just to be sure, when did you make ANY kind of payment to it, NW

I haven't made any payment within the last 6yrs

[rod]

Re: bankruptcy proceeding being considered

I haven't made any payment within the last 6yrs

Should I now send them a SB letter or CCA or just refer them back to the prove it letter that I send in Dec 13 and their acknowledgement letter?

[PlanB]

Re: bankruptcy proceeding being considered

I have now received a letter dated 27/10/14 headed bankruptcy proceeding being considers

Does that letter state a deadline for you to respond? It could be either a specific date or a number of days (e.g. 7 or 14).

[julian]

Re: bankruptcy proceeding being considered

Just wondered what has happened to Connaught Collections. They are normally 'authorised by 1stCredit" to demand money with menaces, although we know they are joined at the hip.

[rod]

Re: bankruptcy proceeding being considered

Does that letter state a deadline for you to respond? It could be either a specific date or a number of days (e.g. 7 or 14).

no specific date to reply was on the letter but I suspect I will get another letter soon

[rod]

Re: bankruptcy proceeding being considered

Just wondered what has happened to Connaught Collections. They are normally 'authorised by 1stCredit" to demand money with menaces, although we know they are joined at the hip.

they did mentioned ni their letter that if we don't come to a agreement on payment then they will pass the account over to Connaught collection to consider issue of statutory demand

[rod]

Re: bankruptcy proceeding being considered

they did mentioned ni their letter that if we don't come to a agreement on payment then they will pass the account over to Connaught collection to consider issue of statutory demand

I have received a letter from 1st Credit dated 5/11/14 with a annual statement from 1/11/203 to 31/10/14 showing nil payment and the outstanding debt (I suspect they have put this statement together) this is after i send them a letter dated 6/11/12 referring them to my previous proof it letter dated 28/12/13 and their acknowledgement letter dated 9/1/14. should I send them a Statute Barred letter as this debt is well over 6yrs old?

[julian]

Re: bankruptcy proceeding being considered

Remember an exact amount will make you identifiable. Disguise if you want anonymity, as DCAs do look at forum.

1st Credit have an app to send out statements.So no proof of anything new.

[rod]

Re: bankruptcy proceeding being considered

Remember an exact amount will make you identifiable. Disguise if you want anonymity, as DCAs do look at forum.

1st Credit have an app to send out statements.So no proof of anything new.

I already sent a proof it letter and they send me a made up statement, should sent them a CCA or a statue barred letter? as the debt is well over 6 yrs old

[rod]

Re: bankruptcy proceeding being considered

I have now received a letter from 1st Credit apologizing for the delay in providing me with an update, they referred back to my prove it and attached a copy of a credit agreement with Lloyd bank dated 18/11/2000 relating to a credit card, together with copies of statements from 2008 to 2010. showing a last payment made in Nov 2009 5 yrs ago,. does this mean that I am in week position as it shows that I have made a payment within 6 yrs, they have given me 21 days to reply.

Please can you help me on this..

[rod]

Re: bankruptcy proceeding being considered

I have now received a letter from 1st Credit apologizing for the delay in providing me with an update, they referred back to my prove it and attached a copy of a credit agreement with Lloyd bank dated 18/11/2000 relating to a credit card, together with copies of statements from 2008 to 2010. showing a last payment made in Nov 2009 5 yrs ago,. does this mean that I am in week position as it shows that I have made a payment within 6 yrs, they have given me 21 days to reply.

Please can you help me on this..

Do you think a SAR request will be appropriate at this stage?

[MrsD]

Re: bankruptcy proceeding being considered

so are these valid statements?

have you wrongly assumed that it was SB?

it wasn't a spurious payment or something added by the bank?

If it's good we need to look at another tactic.

so doesn't sound as if there are nay t&cs with that CCA?

Niddy is a tad busy at the moment so I would send off this http://www.all-about-debt.co.uk/inde...escribed-terms to hold up things until we can have a proper look

[rod]

Re: bankruptcy proceeding being considered

so are these valid statements?

have you wrongly assumed that it was SB?

it wasn't a spurious payment or something added by the bank?

If it's good we need to look at another tactic.

so doesn't sound as if there are nay t&cs with that CCA?

Niddy is a tad busy at the moment so I would send off this http://www.all-about-debt.co.uk/inde...escribed-terms to hold up things until we can have a proper look

The statements looks valid, photo copied though, they could have been altered .

Maybe I got the dates wrong I throught it was well over 6yrs old but according to the statement it clearly state that i made a payment in Nov 2009.

Can you explain what you mean by "nay t&cs"

I can scan the statement over to you?

[Never-In-Doubt]

Re: bankruptcy proceeding being considered

Can you explain what you mean by "nay t&cs"

ANY terms and conditions......