A Ha!

[Never-In-Doubt]

Re: A Ha!

Regards defaults - seriously forget that. The sooner the better.... One is as bad as ten!

Regards cca; good idea but why stop at one? Do all debts.....?

[GlobalC]

Re: A Ha!

Thanks for that, i am wondering if i should just send off the cca request anyway as i think they are unlikely to play ball judging from their responce. The others ( virgin, PO ) are so far just awaiting a response from my second letter. Although i did recieve a letter from PO telling me i have been defaulted already when in their first letter they said i had until the end of month to make a payment. Going to check my credit file now.

[Never-In-Doubt]

Re: A Ha!

Then don't sign haha.

Ok let a friend or partner see your usual signature, ask them to test it - ie try copying it. Only once.

Then pass your letter and ask them to sign quickly. You'll find they'll do a decent job and you then have witness if it ever appears on an agreement at a later date

Yep it does happen sadly. If you let them try several times they'll make more of a mess of it. Trust me here - one practice then go for it - lol.

That'll do it.

[GlobalC]

Re: A Ha!

as you're not pursuing UE - just sign it and resend

Hi Niddy, Well i may well go down that route if they don't play ball with me, this card is from 1999.

Thanks again

[Never-In-Doubt]

Re: A Ha!

Hi Guys,

Got a responce from Natwest today, saying they cant undertake any action without my signature. Any ideas on how to respond?

as you're not pursuing UE - just sign it and resend

[GlobalC]

Re: A Ha!

Hi Guys,

Got a responce from Natwest today, saying they cant undertake any action without my signature. Any ideas on how to respond?

[GlobalC]

Re: A Ha!

I intend on sending this letter to mbna, just wanted to see if you guys think that it is okay to send off?

Thank you for your letter dated 15th September. I would also like to resolve this matter as quickly as possible. I am self employed and set up a new business recently and have struggled to get any work for the first few months which is why i find myself in this current financial situation. I have not filled out the Income and expenditure form as I am not asking to go on a repayment plan until the debt is cleared. I would simply like you to accept my offer of £40.00 a month for 4-6 months and freeze interest and charges during this period whilst i get back up and running.
I have submitted the same request to all my creditors and would like to stress that this is just a temporary arrangement. If my request is not accepted, i will have no other option at this moment in time than to enter into a debt management plan which would mean that the debt will take a lot longer to pay off, which doesn’t help me or you.

I look forward to hearing from you as soon as possible

[GlobalC]

Re: A Ha!

Morning all

Well today i have received a response from mbna ( virgin card ) which is actually a nice letter just asking me to fill out their I &E sheet and that the card has been restricted. They have not agreeded to my offer of payment though. So i think i shall just respond accordingly and ask once again to freeze interest and charges.

I also have received a default notice on my PO card because i have not made a payment when i am over the agreed limit. I am going to pay this one soon to avoid a default at this stage.

I also had a letter from natwest saying they couldnt pay one of my dd's which is for a loan, i have since put some money in to cover this, will this now get paid or do i have to send payment to the loan account directly?

[Susie]

Re: A Ha!

Have a cup of tea and wait, ball is in their court now so relax and try to forget about them for a while. They will be quick enough to reply once they discover no payment is being made

[GlobalC]

Re: A Ha!

Well its been 7 days since i sent the letters out, haven't heard anything as yet. Wonder if they'll just ignore me, bit like im doing at the moment, haven't paid one of the cards that is overdue its payment and its credit limit, simply cause i aint got no money. Just wanted to ask what you guys think should be my next move?

[Never-In-Doubt]

Re: A Ha!

Best of luck

[GlobalC]

Re: A Ha!

Thanks all, letters all sent off. Lets see what they respond with, should they not callaborate, I am hoping that two of these debts are uneforceable

[Susie]

Re: A Ha!

another dumb question !!

Should i put my address in the top right corner?

Yes, you should always do that

[GlobalC]

Re: A Ha!

another dumb question !!

Should i put my address in the top right corner?

[Deepie]

Re: A Ha!

Okay i am a bit confused now! So is my own draft letter above suitable to send off? The post after Niddy's

Yes i've got lots of debt, but i think i can manage these whilst i get back up and running just want some breathing space, if i cant get them to agree to it then i will go into a dmp

Yes just send your letter off, then see what they say