Winter Despair

[Never-In-Doubt]

Re: Winter Despair

Hi Niddy

Yeah we sent cca's to Mint and Mbna early last year and you said they were Enforceable, so I kept on paying (pfft!), should I send them cca's again? I was sending them both the template posted above about needing 28 days, or should I not send it and just stop paying?

Cheers...

Send cca's again for now and stop paying. You have to blag it, cos you can't pay can you? Your credit file will be knackered so don't worry about thst mate. Best to get defaulted asap so they drop off in 6yrs....

[I Love Crisps]

Re: Winter Despair

Yep going to send the new ccas off, always a catch though, just realised that my pension I have done for 10 years and have still been paying into is with Virgin...my Mbna card is Virgin! will they be completley different departments? £9k already in the pension which I cant touch till im in my 50s (38 at mo), you think that they would just rob my pension pot?

[I Love Crisps]

Re: Winter Despair

Well have logged into both my Pension and credit card to check and they are both under the same screen of Virgin Money, I owe approx £4k on this card, but have saved £9k in pension over many years, aghhhhh! what on earth is the best course of action here? maybe I have to bite the bullet on this one and try and get lower payments till I can sort it out, and concentrate on the Barclays and Mint cards, thoughts please....

[Never-In-Doubt]

Re: Winter Despair

Yep going to send the new ccas off, always a catch though, just realised that my pension I have done for 10 years and have still been paying into is with Virgin...my Mbna card is Virgin! will they be completley different departments? £9k already in the pension which I cant touch till im in my 50s (38 at mo), you think that they would just rob my pension pot?

They cannot offset against a pension (unless they have first successfully obtained any sort of formal judgment) - don't worry

[Gerry]

Re: Winter Despair

Sent you a pm.

Gerry x

[Never-In-Doubt]

Re: Winter Despair

Sent you a pm.

Gerry x

oooh, going all private now are we? Why the secrecy...?

[Gerry]

Re: Winter Despair

Thanks again Nid for the result with Crappy One last year, shame these other two were enforecable and im stuck with Barclays. I have seen mentions of blagging it, is this just sending them replies as if it was UE and seeing what happens?

Sorry but I cant see Gerry's pm, do you have it please...thanks.

oooh, going all private now are we? Why the secrecy...?

No cloak-and-dagger just reply to this

Gerry

[I Love Crisps]

Re: Winter Despair

Phew thank god this place is back online, not been able to get on for the few days! thought they had kidnapped you Niddy!

Reply to what Gerry?

Sent the new Ccas off, and going to close my Barclays current account next week...

[Never-In-Doubt]

Re: Winter Despair

Phew thank god this place is back online, not been able to get on for the few days! thought they had kidnapped you Niddy!

Reply to what Gerry?

Sent the new Ccas off, and going to close my Barclays current account next week...

There were a few issues as our OLD hosting company switched DNS to an earlier state meaning they knackered things up.... took a while to propagate through again....

See this (if you get more issues): ---> http://forums.all-about-debt.co.uk/s...ead.php?t=1135

Glad you're back.... Gerry sent you a PM I believe, if not then send her one...!

[I Love Crisps]

Re: Winter Despair

There were a few issues as out OLD hosting company switched DNS to an earlier state meaning they knackered things up.... took a while to propagate through again....

See this (if you get more issues): ---> http://forums.all-about-debt.co.uk/s...ead.php?t=1135

Glad you're back.... Gerry sent you a PM I believe, if not then send her one...!

Hi Niddy, phew really was worried as it kept going off for days, seems ok now, and you were right im on Talk Talk good band but rubbish internet!

Have re sent my cca's to Mint and Mbna and see what they come back with this year, and will send Barclays one for the first time on Monday (closing my current account with them on the same day).

Would just like to say thanks to you and everyone on here, as when the site was off I felt really worried and helpless, even asked about the site on Martin Lewis forums and they deleted the thread within 20 mins!!!

So good luck to everyone and have a good weekend...

[Gerry]

Re: Winter Despair

Crispy or Niddy give me a shout when your ready to get ball rolling on hardship.

gerry x x

[MustGetStraigh]

Re: Winter Despair

Would just like to say thanks to you and everyone on here, as when the site was off I felt really worried and helpless, even asked about the site on Martin Lewis forums and they deleted the thread within 20 mins!!!

I had the same problem, couldn't get on for quite a while - did think about posting on The Dark Site but thought it would just get pulled...

Good luck, WD

[Gerry]

Re: Winter Despair

even asked about the site on Martin Lewis forums and they deleted the thread within 20 mins!!!

So good luck to everyone and have a good weekend...

I had the same problem, couldn't get on for quite a while - did think about posting on The Dark Site but thought it would just get pulled...

Good luck, WD

Were you cheeky crispy, i dont understand why it was deleted? Am i having another daft blonde moment?

[Gerry]

Re: Winter Despair

Thanks for mesg crispy, Good luck with job.

gerry x x

[Never-In-Doubt]

Re: Winter Despair

Were you cheeky crispy, i dont understand why it was deleted? Am i having another daft blonde moment?

Ermm, try and add a link here on there, they've banned us - too scared of competition