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  • #16
    Re: Oh now I get it, I've found you and need help please

    Quick query folks, two debts with Halifax, do I send 2 separate letters with £1 for each? I have printed off two separate ones and put in same envelope but not sure about amount.

    Thanks again.

    Comment

    • #17
      Re: Oh now I get it, I've found you and need help please

      Originally posted by 925pws View Post
      Quick query folks, two debts with Halifax, do I send 2 separate letters with £1 for each? I have printed off two separate ones and put in same envelope but not sure about amount.

      Thanks again.
      2 separate envelopes.............
      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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      • #18
        Re: Oh now I get it, I've found you and need help please

        If it were me, I'd send two POs for £1 each - 1 for each request.
        Let your smile change the world but don't let the world change your smile

        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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        • #19
          Re: Oh now I get it, I've found you and need help please

          Ok letters now sent and DMP cancelled so no payments going to creditors. We wait to see what comes back.

          Have I read right that next stage is emailing Niddy copies of CCAs when they arrive?

          Thanks

          Comment

          • #20
            Re: Oh now I get it, I've found you and need help please

            Originally posted by 925pws View Post
            Ok letters now sent and DMP cancelled so no payments going to creditors. We wait to see what comes back.

            Have I read right that next stage is emailing Niddy copies of CCAs when they arrive?

            Thanks
            Good luck .....yes you read right send here-------->
            agreements@all-about-debt.co.uk
            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

            Comment

            • #21
              Re: Oh now I get it, I've found you and need help please

              You won't need luck! One important thing nobody has mentioned so far is to stick to the exact wording of template letters. They've been very carefully worded.

              Well done on cancelling CCCS, that one step makes this move worthwhile. You can do more by yourself than they will ever do for you.

              Comment

              • #22
                Re: Oh now I get it, I've found you and need help please

                Thanks everyone. I know you are all there for support but I'm just a little nervous I have to say

                I do think the Halifax cc may well be UE but don't think the others. Any idea how long it can take to default me? Or am I asking how long is a piece of string?

                Comment

                • #23
                  Re: Oh now I get it, I've found you and need help please

                  Originally posted by BBoo View Post
                  You won't need luck! One important thing nobody has mentioned so far is to stick to the exact wording of template letters. They've been very carefully worded.

                  Well done on cancelling CCCS, that one step makes this move worthwhile. You can do more by yourself than they will ever do for you.
                  Thank you I have stuck to the exact wording but I've had a look at some of the templates and it mentions English law, I'm in NI so are there templates for this jurisdiction? It was the harrassment ones I'm referring to.

                  Comment

                  • #24
                    Re: Oh now I get it, I've found you and need help please

                    That's a good question, and one I can't answer. However, I've helped people from NI and have used letters from this site without any quibble back.

                    I guess we'd have to go to the precise piece of legislation questioned to answer correctly, so we can see in which jurisdictions the law applies.

                    As I'm sure you know, some cover E & W, some E, W & NI.

                    Comment

                    • #25
                      Re: Oh now I get it, I've found you and need help please

                      Originally posted by BBoo View Post
                      That's a good question, and one I can't answer. However, I've helped people from NI and have used letters from this site without any quibble back.

                      I guess we'd have to go to the precise piece of legislation questioned to answer correctly, so we can see in which jurisdictions the law applies.

                      As I'm sure you know, some cover E & W, some E, W & NI.
                      I'll just wait and see what letter I need to use and if it needs to be tailored I guess it can be looked at before sending it or if the creditor is based in England maybe it still applies? Anyway, will cross that bridge when I come to it.

                      Comment

                      • #26
                        Re: Oh now I get it, I've found you and need help please

                        Originally posted by 925pws View Post
                        Thank you, I can't thank you all enough for the support.

                        I was a member of the other forum many, many years ago under a different user name and at that time there was discussion about UE but joining again recently, no-one mentioned it. It was only when Hopelessly Hopeful posted that I was able to track this forum down. At the start of this journey it was terrifying, funnily enough that feeling has passed and now I'm in a whole different ballpark with the mood I'm in

                        As I'm at the start of this journey I will certainly need all the help and advice on offer but I'll get through it as many of you have.

                        A member of my family is seriously ill so I am in no mood to take any sh!t from creditors.
                        As someone in another post said - it's only money
                        Can understand that but how about this back in 2009 I was taken to court by MBNA/OPTIMA LEGAL it was at a time my dad was gravely ill with cancer and in hospital very much on his last days.

                        My dad past away on the 9th April 2009 and his burial turned out to be on the same day I was due in court I had just two weeks to get this postponed so I wrote to both the court, mbna and the solicitors optima legal.

                        MBNA wrote back saying it was in optima's hands, the judge said he would agree but I would need the permission of optima legal first as it was there case. I had no reply at all from OPTIMA LEGAL they just sat on my letter and did not action it with me or the court.

                        I end up going to the court the day before trial armed with an N244 seeking the judge to make a decision due to optima failing to act I was quite rightly furious the court manager was very good and put my n244 before the judge straight away and luckily it was actioned however I should have had to go that far.

                        That debt of £7.5k I am paying just £20 a mth and it stays at that as the judge made note of optima's poor handling of the case and thus there are no terms to increase, considering I offered MBNA £50 a mth pre court that for me was a good result.

                        Comment

                        • #27
                          Re: Oh now I get it, I've found you and need help please

                          That must have been an awful time for you. It's my mum who has cancer and things are going down hill rapidly.

                          Comment

                          • #28
                            Re: Oh now I get it, I've found you and need help please

                            Yes it was which is one of the reasons I support Niddy as he does a damm good job of keeping citizens out of court.

                            I never ever want to be in that situation again Optima Legal are swine's and will break every CPR in the book if they can get away with it.

                            I will praise the day they lose a big case in court and that day will come sooner or later.

                            Comment

                            • #29
                              Re: Oh now I get it, I've found you and need help please

                              Oh shit. You're in NI.....

                              Ermmmm have you sent CCA's yet?
                              I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                              If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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                              • #30
                                Re: Oh now I get it, I've found you and need help please

                                Originally posted by Never-In-Doubt View Post
                                Oh shit. You're in NI.....

                                Ermmmm have you sent CCA's yet?
                                Sent the request this morning - is there a problem?

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