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

[925pws]

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.

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.

[BBoo]

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.

[925pws]

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.

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.

[925pws]

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?

[BBoo]

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.

[Deepie]

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

Good luck .....yes you read right send here-------->
agreements@all-about-debt.co.uk

[925pws]

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

[Pixie]

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.

[Deepie]

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.

2 separate envelopes.............

[925pws]

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.

[925pws]

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

925PWS,

Just popped in to say well done and that you are now in good hands with Niddy and the other Mods what you are being told is the quickest route and it does come with good results thus far.

Niddy has put a lot of research into UE and has all corners covered like I say well done

Regards

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

[pompeyfaith]

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

925PWS,

Just popped in to say well done and that you are now in good hands with Niddy and the other Mods what you are being told is the quickest route and it does come with good results thus far.

Niddy has put a lot of research into UE and has all corners covered like I say well done

Regards

[Never-In-Doubt]

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

CCA Request is here - do not edit it (send it as is) ---> Our Templates | Unenforceability Templates | CCA Request

[925pws]

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

Wednesday 6th June What small DFW things will you do today??!?

1. Letter to creditors requesting CCA
2. Cancel DMP
3. Set up diary on allabout
4. Thank wonderful people on allabout
5. Wait and see

[Never-In-Doubt]

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

Ok was hyper-ventilating there but back to normal

So, I am right in thinking that sooner or later I will be defaulted and it's 6 years till it falls off from default date so the sooner the default is recorded the quicker it'll fall off? Makes sense I guess.

Exactly - why let it drag on 2 years to then get defaulted? May as well it get it over and done with sooner.

Say for example the recent CCAs are enforceable - what happens then? Do I want to force them to sell to DCA and reach a F&F settlement?

You ideally play the game and blag it hoping they sell between DCA's and then we'll look at making offers, usually I go for 10-15% so for every £1000 it'd be like £100-£150 repayment. Recently I did get a £25k down to £5k but that was a fluke

I've read a number of diaries so think I know the score (more or less) on what to expect of the merry-go-round of letters regarding unenforceable debts.

Exactly, well done. I love it when people do their homework.

If I'm stopping the current DMP, do I write to my creditors? If so, saying what? Should I send a token payment?

nope, just cancel the DMP - no need to speak to any creditors. Send a CCA that's it. But it's the DMP you must cancel first. Reason ,tell them you're looking into unenforceability and they'll then agree cos they cannot help you if you're fighting UE.

This forum is so different to the other, much more helpful

Thanks, we try to stand out