Don't know what to do.

[Never-In-Doubt]

Re: Don't know what to do.

Take photos and save to your computer. Then open your email client and attach images. Only a couple at a time if they're big (20mb max per email please). Then in the to field you put: webmaster@all-about-debt.co.uk and in subject you put your forum username and a link to your thread and message in the email body.

Send

[Never-In-Doubt]

Re: Don't know what to do.

Can you clarify - is this your only debt (Lloyds tsb card)?

What is the approximate balance? When did you last pay anything to the bank/dca?

The agreement is quite

They admit this in their letter whereby they declare they cannot find a signed copy!

[Freckles]

Re: Don't know what to do.

Hi Never In Doubt,

All done thank you so much.
Fingers crossed now.


Emailed Niddy

[Never-In-Doubt]

Re: Don't know what to do.

Already replied - look up ^^^^

[Freckles]

Re: Don't know what to do.

OMG Niddy thank you for giving me your time and patience I hope you know how unique this site is.

OMG Ive only just realised Never In Doubt and Niddy are the same person Christ almighty where's my head at.

OMG the relief I can't tell you.

Niddy you and the other guys on this site are

So now ive stopped tearing up what the hell do I tell them next.

[Freckles]

Re: Don't know what to do.

Hi sorry just to clarify yes it is my only debt and it is about 5 grand.I think the last time I paid anything was June 2011.

[SA Gold]

Re: Don't know what to do.

Hi Missy
Thank you for your post.TBH I feel sick to my stomach about the whole thing and just need things to be sorted one way or another.
I really do appreciate yours and everyone elses support.

hiya,
I've been there Freckles and i really do feel your pain.
When all my finances came to a standstill it really got to me; it wasn't something i had experienced, or knew how to deal with. What is so frustrating is that they offer you the world when things are OK and then treat you like scum when things go wrong.
I stumbled across this amazing forum whilst search for "mortgage with default" and the rest is history as they say!
I spent days reading all the information and members diaries and started my own.
I felt relieved almost immediately because all the information on here is not only spot on, but all the members are in a similar position one way, or another which is a comfort in itself, but also its nice to read about people in similar positions and what to expect.
Most of these banks and debt collection start off like a bottle of pop exploding everywhere and when they realise you are prepared to stand-up to them; they will move on to someone who isnt prepared to.

Stick around and you'll be fine. I'd seriously consider a diary as its the best way for other members to help you.

All the best,
Missy

Edit: Just seen the good news - no contract! That's a brilliant start. Grab yourself a beer!

[Deepie]

Re: Don't know what to do.

OMG Niddy thank you for giving me your time and patience I hope you know how unique this site is.

OMG Ive only just realised Never In Doubt and Niddy are the same person Christ almighty where's my head at.

OMG the relief I can't tell you.

Niddy you and the other guys on this site are

So now ive stopped tearing up what the hell do I tell them next.

Nothing just wait and see what they send you next, and we'll take it from there.....

[Spud]

Re: Don't know what to do.

Hello again Freckles, I was wondering how things were going with you

Really glad to see that your agreement is U/E

My Lloyds is exactly the same, Recon U/E and now just confirmed that they cannot find an agreement ect

Just sit tight now... You are in good hands on this site.

Whatever you do....Dont make any more payments, Not even a penny
Do not talk to them or any debt collector ect over the phone ect

Any contact/ Letters you get, Post details up here ( No personal info or too much detail at this stage)

Somebody will advise you until you get the hang of it ect

You are well on your way to seeing the back of this, Exellent news

So glad things are looking up for you with the job ect, Onwards and upwards

Oh..... And keep watering the garden.......I know I know......I can hardly keep up with this weather

P.S. - Keep every letter safe, Especially those that say they cannot find the original CCA....Get them filed away in date order

[Pixie]

Re: Don't know what to do.

Most of these banks and debt collection start off like a bottle of pop exploding everywhere and when they realise you are prepared to stand-up to them; they will move on to someone who isnt prepared to.

That's a very good analogy missy

[Freckles]

Re: Don't know what to do.

Hi Missy

Yippee its great news.Im just about to pop open a cider and vimto.I know what you mean about this site.I never imagined that a down to earth caring site like this could actually exist on the net.

When I reached out on another forum for advice I got the usual "Its all your own fault" and so on but one member told me to stop worrying and contact the guys on this site as they had used this site themselves and basically they never looked back.

Im really glad you got yourself sorted.So many people all over this country are in terrible situations and have no idea the help is out there.

Right im going to sit in my garden with my cider and slowly exhale.

[Freckles]

Re: Don't know what to do.

Thank you Niddy,Deepie,Spud,Missy and Pixie and I mean that from the bottom of my heart.Spud my tomatos are dying off in my greenhouse as its just too hot.

Going to sit in the garden now to take stock of my day so far.

[Spud]

Re: Don't know what to do.

By the sounds of it.....It has already been a pretty productive day already

[Pixie]

Re: Don't know what to do.

Thank you Niddy,Deepie,Spud,Missy and Pixie and I mean that from the bottom of my heart.Spud my tomatos are dying off in my greenhouse as its just too hot.

Going to sit in the garden now to take stock of my day so far.

Probably your best day for quite a while

I don't have a greenhouse but the tomatoes in my garden are doing better than they usually do.

[Never-In-Doubt]

Re: Don't know what to do.

lets see what they send/do next and we'll guide you along, just relax a bit and don't take anything for granted - these guys are scum, proper scum - never forget that!

Are you a homeowner out of interest? If not then any judgment would matter little, if so then we would play it differently if they decided to get heavy.

Don't worry, try and relax and lets see what happens