HELP! disabled with so much debt

[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?

[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???

[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

[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.

[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

[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?

[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

Soo anyone? What's my next move?

[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

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.

[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

[Pixie]

Re: HELP! disabled with so much debt

If they're threatening legal action it might be an idea to send Threat-o-Gram: Letter Before Action

[joshing]

Re: HELP! disabled with so much debt

ok iv uploaded and updated on my cap one, this is the letter I received from Bryan carter do I make an offer??

[Pixie]

Re: HELP! disabled with so much debt

That's a bog standard letter from Bryan Carters. I've had identical letters (apart from amounts etc) from them. I would send Threat by Creditor - To Commence Litigation

[joshing]

Re: HELP! disabled with so much debt

lloyds card Date commenced - ??2005
Approx balance - £2500
Date last full payment - NOT SURE SOMETIME EARLY 2012
Are you on arrangement or not paying - NOT PAYING BUT WAS TILL MARCH ON PAYMENT ARRANGEMENT
Status - DEFAULT
Account owner WESTCOT

21/05/13 CCA REQUESTED
30/05/13 LLOYDS SENT CCA
SENT TO NIDDY ADVISED TO SENT MISSING P&T
03/07/13 LETTER FROM LLOYDS RE SAR REQUEST? NOT ASKED FOR
ONE LINER SENT NO SAR REQUESTED JUST CCA.
22/07/13 FROM HALIFAX???? REQUEST FOR DETAILS ADDRESS ACCOUNT NUMBER NAME AND DATE OF BIRTH.. IN ORDER TO ACTION REQUEST.
25/08/13 FINAL NOTICE FROM WESTCOT
04/09/13 LETTER FROM WESTCOT HOLDING ACTION
11/09/13 LETTER FROM WESTCOT SAYING LLOYDS HAVE NO RECORD OF REQUEST NEED ORIGINAL LETTER.
WTF WAS ALL THE SHITE PAPERS I GOT THEN?????
WHAT DO I DO NOW???

31/10/13Received this from westcott must be final final lol letter. & scotcall well they must know our names by now.

Do i need to do anything?