Help with Unenforceability [UPDATED 01/2020]

[Never-In-Doubt]

Re: Help with Unenforceability

Hi NID
Quick update. Mooorcroft have sent another letter stating that they will accept £x per month, which is what bos had originally wanted me to pay anyway so a no go. They said if I dont reply by tomorrow they will instruct their clients to arrange for solicitors to start court proceedings!. Still ignore or what to do? Thanks v much and merry christmas.

Hi NID
Did you see my reply I left just before crimbo, you said to update the thread when I had heard back,after that last letter I have now today received a letter from Midaslegalservices, they say part of moorcroft, and as I have not contacted them they are reviewing my case before recommending legal proceedings to their clients, what do you think I should do now? thanks, hope everyone had a good crimbo and new year, back to dealing with the norm

Hiya, really sorry for the delay - as you can see, we've had a lot going on.

You should, if not already sent, respond to Midas with the following: ---> Threat-o-Gram - Letter before Action

[Aile5]

Re: Help with Unenforceability

Hi NID
Did you see my reply I left just before crimbo, you said to update the thread when I had heard back,after that last letter I have now today received a letter from Midaslegalservices, they say part of moorcroft, and as I have not contacted them they are reviewing my case before recommending legal proceedings to their clients, what do you think I should do now? thanks, hope everyone had a good crimbo and new year, back to dealing with the norm

[Never-In-Doubt]

Re: Help with Unenforceability

Best of luck - thanks for update

[gujujainuk]

Re: Help with Unenforceability

Hi Niddy,
Hope you are well and all ready for holiday season.
I received a 'post-card' from FairFax today and it said the following:

I know you said to email you send you things as attachments but as this is a small post-card I hope it's ok for me to message you instead.

Happy Christmas and I hope you have a FAB New Year 2011.

GujuJainUK

Hiya, just send this back to Fairfax: ---> viewtopic.php?p=182#p182

Best of luck - have a Merry Christmas & Happy New year

Hi Niddy,

Love the snow effect of your web-site.

Hope you had a great holiday season and started 2011 with a bang.

I have posted the template to Fairfax and will update you once I hear something back.

GujuJainUK

[Never-In-Doubt]

Re: Help with Unenforceability

Hi Niddy,
Hope you are well and all ready for holiday season.
I received a 'post-card' from FairFax today and it said the following:

I know you said to email you send you things as attachments but as this is a small post-card I hope it's ok for me to message you instead.

Happy Christmas and I hope you have a FAB New Year 2011.

GujuJainUK

Hiya, just send this back to Fairfax: ---> viewtopic.php?p=182#p182

Best of luck - have a Merry Christmas & Happy New year

[Aile5]

Re: Help with Unenforceability

Hi NID
Quick update. Mooorcroft have sent another letter stating that they will accept £x per month, which is what bos had originally wanted me to pay anyway so a no go. They said if I dont reply by tomorrow they will instruct their clients to arrange for solicitors to start court proceedings!. Still ignore or what to do? Thanks v much and merry christmas.

[gujujainuk]

Re: Help with Unenforceability

Hiya

Regards to your last email, just ignore it - there is a delay in letters and this was dated 3 days prior to your final letter so sit tight and ignore fairfax from now on, just send me an email with the LATEST letter please, not a running total - I remember the case, I have fought it for you!

They cannot do anything to you - stop stressing, you are confident it is SB'd so let them take action, the muppets!

Hi Niddy,
Hope you are well and all ready for holiday season.
I received a 'post-card' from FairFax today and it said the following:

Front of the post-card:
2nd Class ROYAL MAIL Stamp
POSTAGE PAID GB
HQ12345

Title First and Surname
Full Address

H123456

Back of the Post-card:
Fairfax Solicitors
Telephone: 1234 123 1234

We have tried unsuccessfully to contact you and have instructed our agent to call within the next 48 hours.

If this is inconvenient please call the above telephone number quoting the reference shown overleaf.

FairFax Solicitors... full address...
small print about copyright details...

I know you said to email you send you things as attachments but as this is a small post-card I hope it's ok for me to message you instead.

Happy Christmas and I hope you have a FAB New Year 2011.

GujuJainUK

[Never-In-Doubt]

Re: Help with Unenforceability

Just ignore from now on, however when anyone contacts you - update this thread....

[Aile5]

Re: Help with Unenforceability

Hi again NID
Another bit of help if poss please. I sent the letter off to moorcroft again (2nd time same letter) and they sent me the same reply(2nd time) just stating again that they have been in contact with creditor who have stated that docs were sent, reply before further action.... going round in circles at minute it seems, what to do next do you think? thanks for the help

[Never-In-Doubt]

Re: Help with Unenforceability

Hiya

Regards to your last email, just ignore it - there is a delay in letters and this was dated 3 days prior to your final letter so sit tight and ignore fairfax from now on, just send me an email with the LATEST letter please, not a running total - I remember the case, I have fought it for you!

They cannot do anything to you - stop stressing, you are confident it is SB'd so let them take action, the muppets!

[gujujainuk]

Re: Help with Unenforceability

Thanks Niddy.
BT says they will reconnect me to internet ADSL connection on 24Dec
I am wondering if this will actually happen.
Anyway, new year will see new broadband connection.
Woo Hoo
Thanks for your help,
GujuJainUK

[Never-In-Doubt]

Re: Help with Unenforceability

Plus, this is clearly statute barred so you would get ANY claim struck-out

[Never-In-Doubt]

Re: Help with Unenforceability

Hiya

Stop fretting. Read my section on bailiffs & harassment - nobody can send a bailiff unless judgement has been made against you. Likewise a ccj cannot just be issued, only a judge can issue ccj. However due to your job, you would admit any claim made and make repayment offer which avoids any ccj. You can do this after a lender starts proceedings....

Don't worry - its the 10th, have illegal bailiffs turned up? No!!

Check the letter, they use the word "may" an awful lot.... nah

[gujujainuk]

Re: Help with Unenforceability

Hi Niddy,
I have posted the template you kindly provided to me today but when I got home I got another letter from FairFax dated 07Dec2010. They are saying unless I pay full amount before 5pm today (07Dec2010) they will send debt collectors and put CCJs on my credit file. I am getting worried now, I honestly do not have the money they are asking for and recently my employer-company has merged with another so my career is up in the air. At least until end of Apr2011 I won't know. What do you think, can they put CCJs on my credit file, my work-contract people check it often and I am not allowed to be in finance trouble otherwise it is 100% unemployment for me. Looking forward to you're reply,
GujuJainUK

PS - I have sent you another email to your live.co.uk address with all the letters in PDF file format. The last page is FairFax's 07Dec2010 letter.

[Never-In-Doubt]

Re: Help with Unenforceability

From reading the latest letter, I think I have come full circle - by that I mean I think I need to send them the same old original template you had provided. Hoping you help,
GujuJainUK

Hiya ya

Just send this - that ought to do the trick.

• Dear Sirs,
  
  Ref: xxxxxxxx
  
  I write with reference to your letter dated 06 December 2010 in response to my letter of 23 November 2010. I am shocked that you still think you have a legal right to pursue a Statute Barred debt to which my next move is to simply ignore you and hope you decide to take some form of legal action, which I will of course defend and counterclaim against you for costs and compensation for your unlawful harassment.
  
  I made myself clear in my last letter that if I started an IVA in 1999 yet this IVA ceased in 2002 yet it is now 2010, how many years is that?
  
  I really have nothing more to say to you other than bugger off and leave me alone or take this to court - your decision.
  
  
  Sign Digitally