Oh now I get it, I've found you and need help please

[MrsD]

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

de nada

you just need to get the result you need, that's what this site is about

[925pws]

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

Hi and welcome good luck xxx

Many thanks.

Also a great big thanks to those doing the UE diaries. I've read through quite a lot of them recently they make for some interesting reading

Hope to start my own once I receive the CCAs back.

Thanks again everyone.

[nanna58]

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

Hi and welcome good luck xxx

[925pws]

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

Brilliant - getting a communal laugh during 925's problems. This site is WAY better than the rest! Well done both of you

Yeah you have to laugh, after all it's only money and if it's UE then all the better

Seriously though, I have to laugh otherwise my health would suffer, I'd be a nervous wreck, wouldn't get out of bed and wouldn't think life was worth living. I mean on top of the debt, my mum is critically ill and I'm being made redundant soon. So as you can see debt is the least of my worries so it's at the bottom of the list of things to be concerned about especially since I found this forum.

These people on here are the .

[Cos]

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

nope but thought it'd be funny all the same

sorry!

That smilie is me half laughing and half having a blooming heart attack!

Brilliant - getting a communal laugh during 925's problems. This site is WAY better than the rest! Well done both of you

[925pws]

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

nope but thought it'd be funny all the same

sorry!

That smilie is me half laughing and half having a blooming heart attack!

[Never-In-Doubt]

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

Sent the request this morning - is there a problem?

nope but thought it'd be funny all the same

sorry!

[925pws]

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

All the easier to hire competent assassins.

That's right CleverClogs, I know plenty

[CleverClogs (RIP)]

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

Oh shit. You're in NI...

All the easier to hire competent assassins.

[CleverClogs (RIP)]

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.

The Consumer Credit Act 1974 still applies to Ulster, but not to the Channel Islands, the Isle of Man or the Duchy of Grand Fenwick.

[925pws]

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?

Sent the request this morning - is there a problem?

[Never-In-Doubt]

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?

[pompeyfaith]

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.

[925pws]

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.

[pompeyfaith]

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

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.