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  • #106
    Re: Transformer999-V-Vanquis

    Originally posted by transformer999 View Post
    Niddy any chance of letting me know if I should reply to the latest Red letter please?
    If it were me I would just ignore............
    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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    • #107
      Re: Transformer999-V-Vanquis

      Thanks in 2 deep.....lets see what happens hey....

      Comment

      • #108
        Re: Transformer999-V-Vanquis

        Red are going to pass my account to Hampton Legal...this is the latest letter I received. Not sure what to do next and whether I should wait for Hampton Legal to contact me or just wait?
        Attached Files
        Last edited by transformer999; 6 August 2012, 06:18.

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        • #109
          Re: Transformer999-V-Vanquis

          Originally posted by transformer999 View Post
          Red are going to pass my account to Hampton Legal...this is the latest letter I received. Not sure what to do next and whether I should wait for Hampton Legal to contact me or just wait?
          If it were me I would wait untill Hampton contact you........
          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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          • #110
            Re: Transformer999-V-Vanquis

            Originally posted by transformer999 View Post
            Red are going to pass my account to Hampton Legal...this is the latest letter I received. Not sure what to do next and whether I should wait for Hampton Legal to contact me or just wait?
            I notice Red Collections have an advertisement for Experian's subscription service at the bottom of that letter. DCAs think up all sorts of ways to make extra money out of other people's misfortune

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            • #111
              Re: Transformer999-V-Vanquis

              At least you have it in writing that Red wont contact you again

              Comment

              • #112
                Re: Transformer999-V-Vanquis

                Originally posted by Meerkat Militia View Post
                At least you have it in writing that Red wont contact you again
                Yes I do MM and have received another letter from Hampton Legal...file away I suppose.
                Attached Files

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                • #113
                  Re: Transformer999-V-Vanquis

                  Another letter from Hamptons with a tempting offer?
                  Attached Files

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                  • #114
                    Re: Transformer999-V-Vanquis

                    Morally speaking after receiving the last and latest letter regarding my debt I do believe that the sum of £338'ish is approx what I owe.

                    I know that my credit file has been marked with a "D" and was wandering if I could make an offer to pay in installments of say £10 a month or maybe a little more?

                    If my offer is not accepted and they want me to pay £40 a month....one that is too much to afford and two I don;t believe that is the correct amount.

                    Any sugggestions from anyone please? as I have approx 3 more years for this to drop of my file....and even if I pay a little each month I could at least clear one of the three defaults on my file?

                    Comment

                    • #115
                      Re: Transformer999-V-Vanquis

                      If you want to pay something then why not try an offer of £200 or £250 that a family member has said they will give you (3rd party paying) and see what they come back with? they may accept, you never know! Otherwise you could offer to pay perhaps £300 at £xx a month until its cleared?
                      Last edited by Susie; 8 September 2012, 14:54.
                      When you have nothing you have nothing to lose

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                      • #116
                        Re: Transformer999-V-Vanquis

                        Thanks susie....what a great idea......as you say you never know hey...

                        Comment

                        • #117
                          Re: Transformer999-V-Vanquis

                          If it were me I would just ignore for now see what they do next ....just looking back you have not payed any thing on this since 2009.........
                          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

                          • #118
                            Re: Transformer999-V-Vanquis

                            Thanks in 2 deep...and no I have not paid anything since 2009.....

                            Comment

                            • #119
                              Re: Transformer999-V-Vanquis

                              I've been thinking that since the new rules about charging orders and ccj's have come in since 1 October 12 does that now mean that I should be expecting Lowells, Red or Vanquis to be issuing a claim against me soon...I know that my DN is faulty and since these new rules may not matter if Vanquis decide to issue me one last letter LBA and then issue proceedings.?

                              I know all the advice in the past has been to file & ignore letters from the DCA's and maybe now we should not be doing this and be better to make an offer of repayment if for nothing else but to stop any claim being issued?

                              Any thoughts from people on this please?

                              Comment

                              • #120
                                Re: Transformer999-V-Vanquis

                                The new charging order rules are obviously not in the favour of anyone borrowing money and potentially finding themselves in a debt situation, but the creditor still has hoops to jump through before this even becomes a factor. The new rules do not alter the probabilities for the outcome of a case.

                                I see from the initial post that PPI was added to the account without your consent. This will affect the legitimacy of the default, and you say that the default notice is defective in any case. There is no hard copy of the agreement, so where is the agreement which needs to be signed for you to consent to PPI?

                                I see Clownell and their various “disguises” have been making offers of discounts at regular intervals, which is a near-certain sign that they are not confident of winning a potential court battle. As the new charging order laws do not affect the probability of the outcome, this will still be the case.

                                I would definitely not be making any offers to pay anything on this. I would be prepared to defend the case if that became necessary.

                                SH

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