HELP! disabled with so much debt

[MrsD]

Re: HELP! disabled with so much debt

wait a minute

so you've sent the sold in dispute before?

in that cas I would do a one liner referring them to your last letter as they are plainly incapable of reading

[joshing]

Re: HELP! disabled with so much debt

I'm getting confused now

Have you had letters from Lewis Group before? And are they dealing with Vanquis?

Yes they are dealing with vanquis and I have had a threat of action letter before. I sent a sold in dispute letter and they said talk to vanquis as they were only required to collect the debt. Hopefully getting a new scanner so will post the letters.

[Pixie]

Re: HELP! disabled with so much debt

I'm getting confused now

Have you had letters from Lewis Group before? And are they dealing with Vanquis?

[joshing]

Re: HELP! disabled with so much debt

Soo anyone? What's my next move?

[Pixie]

Re: HELP! disabled with so much debt

I made them an offer of £5 a month even though I couldn't really afford it and they refused it and went ahead with the ccj. The court (Northampton) set payment at £1 a month so they lost out.

[joshing]

Re: HELP! disabled with so much debt

I don't want to worry you but be careful with Lewis...they and Howard Cohen solicitors got a ccj against me for an enforceable debt...though of course, not all cases are the same even with the same dca.

I did wonder whether I could make a £1 offer telling them our circumstances what do you thibk?

[joshing]

Re: HELP! disabled with so much debt

No had a couple of letters before asking for payment they sent one saying capital one had sent a cca which was enforcible sorry regarding vanquis im getting ny wires crossed

[Pixie]

Re: HELP! disabled with so much debt

I don't want to worry you but be careful with Lewis...they and Howard Cohen solicitors got a ccj against me for an enforceable debt...though of course, not all cases are the same even with the same dca.

[MrsD]

Re: HELP! disabled with so much debt

I would send the sold in dispute to the halfwits at Brian Carter http://www.all-about-debt.co.uk/old/...lst-in-dispute

is this the first time you've heard from Lewes

[joshing]

Re: HELP! disabled with so much debt

Hi guys, just updating we have now moved into our new adapted house absolutley brill now comes the BUT... we have received 2 letters.... not changed address yet just had them redirected from post office. Ones from lewis group bright red!! to stop further action you must pay full amount by 5th november, this one is regarding vanquis, the other from Bryan Carter solicitors ( never had one from them before) regarding capital one, they have been asked by freds internaltional to say we MUST contact them or else they will recommend that proceedings be issued against us. then go on to say costs will be incurred. Scanner not working at the mo but hopefully will get things up and running soon. Any advice PLEASE???

[joshing]

Re: HELP! disabled with so much debt

"Collection activity" doesn't mean that they're going to commence legal action. I would be sending http://www.all-about-debt.co.uk/old/...cept-ue-status

Even though Niddy says its enforcible?

[Pixie]

Re: HELP! disabled with so much debt

"Collection activity" doesn't mean that they're going to commence legal action. I would be sending http://www.all-about-debt.co.uk/old/...cept-ue-status

[joshing]

Re: HELP! disabled with so much debt

Originally Posted by jillyiant
Type of account (credit card/loan) CAPITAL ONE CARD
Date commenced (ideally before Apr 2007) 08/01/04

Approx balance £2144

Date last paid (approximate date you last made a FULL payment ) 27/03/13

Are you on arrangement or not paying NOT PAYING

Status (default/in arrears/up-to-date) DEFAULT

Account owner (who is writing to you, a DCA or the lender) FREDRICKSON INTERNATIONAL




Finally able to start these diaries, going to take me a while but doing it in order of what I think are the biggest threat. Niddy said this one was enforcible so need to know what to do next on this one.





1/5/13 Notice of sum arrears
5/5/13 statement of default
14/5/13 letter from cougar
21/5/13 cca requested
22/5/13 cougar letter time to pay?
29/5/13 power to contact letter home visit
5/6/13 doorstep letter sent
12/6/13 credit solutions? reply to doorstep letter account held 21 days
1/7/13 cougar final warning letter
22/8/13 cca received
22/8/13 sent to niddy ...ENFORCIBLE
3/9/13 letter from cap one passing to fredrickson
10/9/13 letter from fredrickson pay now
4/9/13 missing prescribed terms letter sent to fredricksons
25/09/13 letter received from fredrickson ..letter before action (is being considered) as an after thought on the letter.

Received this letter from freds today.

Any advice on my next move please
This is the letter received from Bryan Carter ???? Do I make an offer

[Pixie]

Re: HELP! disabled with so much debt

MARKS AND SPENCERS CHARGECARD/ STORECARD
Date commenced -1987
Approx balance - 2500
Date last full payment - 04/04/13
Are you on arrangement or not paying - NOT PAYING
Status - ? THEY ARE ADDING INTEREST
Account owner PLR THINK ITS JUST MARKS LEGAL TEAM

FROM 05/06/13 15/06 LETTERS REQUESTING PAYMENT
CCA REQUESTED
26/06/13 CCA RECEIVED
SENT TO NIDDY ADVISED TO SEND MISSING P& T LETTER
29/06/13 DEFAULT SUMS LETTER RECEIVED
01/07/13 LETTERDEMANDING I CONTACT THEM
02/08/13 DEFAULT NOTICE SERVED CHARGED £12
23/08/13FINAL DEMAND RECEIVED
26/08/13 OBLIGED BY LAW LETTER STATUTORY ARREARS NOTICE
10/07/13 LETTER RECIVED IF YOU ALLEDGE THAT THE AGREEMENT YOU SIGNED DID NOT COMPLY WITH REQUIREMENTS OF ACT 1974 THE WE ASK YOU PROVIDE FULL AND SUFFICIENT DETAILS TO SUPPORT THE ALLEGATION
iIIGNORED THIS PERHAPS I SHOULD HAVE ASKED NIDDY FOR A REPLY
31/08/13 STATUTORY DEFAULT ANOTHER £12
02/09/13 LETTER TO SAY PLR WILL BE IN TOUCH.
03/09/13 LETTER FROM PLR DEMANDING PAYMENT
17/09/13 LETTER FROM PLR THREAT OF LEGAL ACTION ..CHARGING ORDER, ATTACHMENT OF EARNINGS A WARRANT OF EXECUTION.
NEED A ANSWER FOR THIS LETTER PLEASE SOUNDS SERIOUS.!!!!!!!



These keep ringing and ringing I actually just held the phone silently and they kept saying its no good ignoring us Ms .......... this really wont help. Anything I can send these please... Im packing to move so must try and do it before I sidetracked.

Is the letter headed "Letter Before Action?"

Like I said before, I've received letters with all manner of threats similar to these. They're usually just an attempt to scare you.

Yes its the lloyds I will take your advice of course and send the letter. Makes me laugh how they can deny receiving it as I have their reply sitting in front of me. It was sent ages ago to Niddy to look at.

Exactly! I've just written a very sarcastic letter to the dca.

[joshing]

Re: HELP! disabled with so much debt

MARKS AND SPENCERS CHARGECARD/ STORECARD
Date commenced -1987
Approx balance - 2500
Date last full payment - 04/04/13
Are you on arrangement or not paying - NOT PAYING
Status - ? THEY ARE ADDING INTEREST
Account owner PLR THINK ITS JUST MARKS LEGAL TEAM

FROM 05/06/13 15/06 LETTERS REQUESTING PAYMENT
CCA REQUESTED
26/06/13 CCA RECEIVED
SENT TO NIDDY ADVISED TO SEND MISSING P& T LETTER
29/06/13 DEFAULT SUMS LETTER RECEIVED
01/07/13 LETTERDEMANDING I CONTACT THEM
02/08/13 DEFAULT NOTICE SERVED CHARGED £12
23/08/13FINAL DEMAND RECEIVED
26/08/13 OBLIGED BY LAW LETTER STATUTORY ARREARS NOTICE
10/07/13 LETTER RECIVED IF YOU ALLEDGE THAT THE AGREEMENT YOU SIGNED DID NOT COMPLY WITH REQUIREMENTS OF ACT 1974 THE WE ASK YOU PROVIDE FULL AND SUFFICIENT DETAILS TO SUPPORT THE ALLEGATION
iIIGNORED THIS PERHAPS I SHOULD HAVE ASKED NIDDY FOR A REPLY
31/08/13 STATUTORY DEFAULT ANOTHER £12
02/09/13 LETTER TO SAY PLR WILL BE IN TOUCH.
03/09/13 LETTER FROM PLR DEMANDING PAYMENT
17/09/13 LETTER FROM PLR THREAT OF LEGAL ACTION ..CHARGING ORDER, ATTACHMENT OF EARNINGS A WARRANT OF EXECUTION.
NEED A ANSWER FOR THIS LETTER PLEASE SOUNDS SERIOUS.!!!!!!!



These keep ringing and ringing I actually just held the phone silently and they kept saying its no good ignoring us Ms .......... this really wont help. Anything I can send these please... Im packing to move so must try and do it before I sidetracked.