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**Pixie** · 5 January 2012, 15:09

Re: New user Pip saying "Hello!" and with overview of my situation before setting up diary

Originally posted by Pip View Post

Hello all!

A couple of months ago I had started posting on another forum with a view to getting some guidance about alternatives to what had become a crippling £400 p/m DMP via CCCS. When on that site I was guided here via a private message from another friendly user. I had serious and disappointing misgivings early on about the other site when one of my postings was extensively edited and censored without any justification and without any private message received from the editing (or any other) moderator. I didn’t kick up a fuss or comment to moderators but it didn’t inspire any confidence as a new member of the site. My transgression was to mention by name another forum (that I wasn’t a member of) and the title of a thread (I didn’t paste any links) on there that mentioned an ID theft situation similar to one I had encountered.

You won't get any of that here!

I was about to put a link to your welcome thread but I see you've already seen it! Have a look at the links in the first post.

Looking at the start dates of your CCs, it's very likely that most, if not all, would be UE.

Get those cca requests sent off (recorded delivery and signed digitally) and buy some more files. 1 won't be enough - you'll need one for each CC. Don't forget to staple the envelope of any letter you receive to the letter and add the date you received it.

Yes, you're getting ahead of yourself worrying about the interest charges! Let's see what comes back.

**LooLoo** · 5 January 2012, 15:11

Re: New user Pip saying "Hello!" and with overview of my situation before setting up diary

Hi Pip

and a very big Welcome - my situation was very similar - I actually did my own DMP for over a year - and finally I realised that UE was one way forward.... and have not looked back. Your journey will be full of ups and downs and lots of letters but just remember so many of us have been through and are going through the same thing so we know how you are feeling.

Rest assured we are a friendly bunch - and don't forget to have a look around the rest of the site as we do actually have fun!!!!

Good luck

LL
x

**MrsD** · 5 January 2012, 15:14

Re: New user Pip saying "Hello!" and with overview of my situation before setting up diary

Hi Pip

Thank you for your post, you need to think very carefully about UE, its not easy but it does work and you will be fully supported on here. I must admit the reason we went for UE was exactly the same as yours and we were paying 1228 per month to CCCS and that still wasn't enough!!! Now 18 months down the line with UE.

Read everything twice and get a good feel for how it works, it can be a bit scary and you must be prepared to stand firm, there will be an avalanche of phonecalls and letters to begin with, but we do have the benefit of some great templates (just updated) so we have an answer for everything. You should then send off a CCA request for each card, recorded delivery enclosing your pound (postal order if poss) remember to sign the letters digitally and then sit back, relax and await replies which should be uploaded to Niddy (totally secure only he can see)and then we can start to see sort paperwork they have. That is of course, if they have any at all..............

Any questions give us a shout, someone will be around to help out.

too slow with this, went to make a cuppa in the middle!!!

**Pixie** · 5 January 2012, 15:20

Re: New user Pip saying "Hello!" and with overview of my situation before setting up diary

Originally posted by evenlessdopey View Post

too slow with this, went to make a cuppa in the middle!!!

**garlok** · 5 January 2012, 15:27

Re: New user Pip saying "Hello!" and with overview of my situation before setting up diary

Hi Pip,

Yes you have come to the right site. I think I can say we are all bank haters here. If you read the new main site you will see that we are known as a Consumer Revenge site. The main aim here is to hit the banks and their mates where it hurts ----- in their pockets. We are probably the only remaining forum that has not sold its soul to the devil for less than thirty pieces of silver. We still run with UE, the law has not changed and in the event of an enforceable agreement we will attempt to see you through to some form of settlement at the LEAST cost to yourself.

We have through the good offices of our owner, Niddy, (never-in-doubt) just saved a member close to £20K with a sensible Full and Final with a creditor.

Don't worry about DCAs they have no legal authority or powers whatsoever unless they actually own the debt and have purchased via Assignment in Absolute. Their ONLY weapon against you is your OWN fear of what they might do to you, which is NOTHING only bully and threaten you.

If the phone starts going with these jokers as it will, discuss nothing with them, do not even go through security, just tell them in writing only and put the phone down. Seriously, but keep a log of all calls, date time, which account, what they said, this will be useful later. Kepp all correspondence as pixie has said with envelopes all marked up with the date it arrived through your door. These things are important to your case.

Also ask questions not matter how trivial you think they are. Abuse and ridicule of members is just not allowed on this site and dealt with most times befiore it even reaches the public eye.

Hope that all helps and lets seewhat comes back from your CCA requests, by the way use POs now and not cheques and don't sign anything with your normal signature, most times just print your nane.

regards
Garlok

**pompeyfaith** · 5 January 2012, 15:31

Re: New user Pip saying "Hello!" and with overview of my situation before setting up diary

Pip,

Welcome to the best Consumer help site on the planet, your situation is much the same as us all here and the difference between us and OTR is that we put help first and give it freely.

We also believe in having a bit of fun mixed in as that does relieve the stress and worry that debt brings.

You are now in good hands and every post will get answered.

Welcome aboard

Regards

**Pip** · 5 January 2012, 17:49

Re: New user Pip saying "Hello!" and with overview of my situation before setting up diary

Many thanks to everyone for the kind welcoming words!

Originally posted by evenlessdopey View Post

Thank you for your post, you need to think very carefully about UE, its not easy but it does work and you will be fully supported on here.

I've given it about a month of thought, on-and-off, during the bonkersness that is December. Even though it might not be easy, I think it's a better option to try than destitution (via CCCS monthly payments stretching on into A.D. 2025, by which time we'll all be wearing tinfoil and have hover-cars, if we can afford them) or bankruptcy (a rather severe option, I fear, before trying UE).

It's about 18 months since I first defaulted on minimum payments. Had I known what I know now, I would have stopped paying minimum payments the moment it was getting difficult. I now do not quite understand the Sacred Cow That Must Not Be Sullied of keeping one's credit rating clean. There was something along those lines that held me out paying minimums with absurd interest for so long. The amount of money paid to twazzocks like Lloyds just to go down the interest and charges plughole is eye-watering. But eye-water under the bridge now!

I accept that the letters are going to come thick and fast, but oddly, even while getting these CCA request letters ready, I think that having put the worry aside, it'll be easier dealing in a methodical way with letters that start coming, rather than worrying about letters that might come and do come anyway even while I've been paying a reasonable amount, AND worrying about having enough money to pay my rent and gas/elec bills!

So, while I hope I'm not being too rose-tinted-dippy-hippy-specs about it, I imagine that once I get into a routine with Letter Received > Logged > Placed in Diary > Responded to (where necessary), it'll then be > Head Clear, on with the rest of your day unencumbered with worry, with laughter a lot closer to hand than has been the norm for a long time.

Speaking of laughter, maybe the "Spider" approach might even be better than UE? --
(Link to 27b/6 Overdue Account email exchange)

Thanks again to all for the wonderful welcome!

Pip

**mk_chatham** · 5 January 2012, 18:00

Re: New user Pip saying "Hello!" and with overview of my situation before setting up diary

Just checking that you do not have a current account with any of the banks that you owe money to.

If you do then now is the time to get a new basic account opened with someone like the Co-op.

Good luck

MK

**garlok** · 5 January 2012, 18:03

Re: New user Pip saying "Hello!" and with overview of my situation before setting up diary

We all did it Pip. Struggled on, trying to be honest reasonable people but that is not how they think of you when you try to talk reasonably to them about your difficulties. They set the dogs loose on you and try to tear you to pieces. In the depths of utter despair I went into this UE thing on another site after all those calls from CMCs trying to make a fast buck. We have solicitors on board as well but due to the aggro they gave us as two accounts have been sold on the purchaser is now being put through the torture and as much aggro as I can give them with following the AAD UE routes. Not something they have enjoyed over the Christmas period. Luckily we know from 2009 that BC were unable to find any legally substantive documents for any account when our sols investigated then.

First conversation with sols told us not to get involved with DMPs, IVAs Tomlin Orders or anything like that as most schemes collapsed leaving the debtor further in trouble than when they had started out. At worst case they expected to negotiate a F & F down to 10% if the very worst came to the worst. Which they did do on a live account for us anyway. Now they are a useful "letterhead for rent" if I need to get really heavy with some unfortunate, otherwise just following the UE routes as advocated here on this site.

Not paid a penny since we decided enough was enough in 2009. The hassle has been extreme but you get through it once you realise here that you are not alone. We've all been there and are still battling on when other sites have recommended total capitulation to the parasites

regards
Garlok

**Pip** · 5 January 2012, 18:29

Re: New user Pip saying "Hello!" and with overview of my situation before setting up diary

Originally posted by mk_chatham View Post

Just checking that you do not have a current account with any of the banks that you owe money to.

Glad to say I haven't! Thanks!

Looking at the dates of when most of these cards were taken out, it was that silly time when you couldn't open your front door each day cos of credit card offers piled up on the doormat, or open a Sunday supplement without five application forms falling out ...

**Never-In-Doubt** · 5 January 2012, 18:38

Re: New user Pip saying "Hello!" and with overview of my situation before setting up diary

Hi & Welcome

Ok, main thing here is most the older debts are highly likely to be

due to the date of inception coupled with the lender, i.e habit proves they're pretty bad at retaining accurate paperwork....

You really need to start the ball rolling and decide to either cease the DMP or go for UE in the full on sense. That's what I would do, pointless paying into an endless and bottomless pit when if you cease repayments, maybe even one or two that don't let go will outweigh several years of hardship to maintain the preagreed payment levels.

I would just stop with all payments, cancel the DMP and start afresh down the UE path and see what happens, worse case, they're all enforceable so back onto a DMP with a new provider (we can line you up with someone here who may even get the £400 down to less than half that figure)....

So as things stand, if you're happy to cease repayments and send the CCA request and £1 to each creditor (Recorded Delivery) then go for it - we'll be here and guide you along the way.....

Anything else, give us a shout and we'll try and help - we're the opposite of most other forums like this in that our ethos is fuck the banks, help the consumer.

Links

CCA Request ---> Our Templates | Unenforceability Templates | CCA Request

Signing Digitally Guide ---> Site Resources | Template Resources | A Guide to Signing Digitally

Recorded delivery Costs ---> Recorded Signed Forâ„¢ | Royal Mail Ltd

**diddlydee** · 5 January 2012, 18:48

Re: New user Pip saying "Hello!" and with overview of my situation before setting up diary

The spider approach doesn't seem to have worked for that client, unfortunately, but perhaps the recipient wasn't really a spider person?

Perhaps, if you were to try flowers? Who doesn't like flowers?

I wish you good luck, Pip, whether you choose UE, spiders, flowers or any other route

You seem to be very level headed with a good sense of humour, so I'm sure you'll fit in here just fine. Insanity isn't essential but is recommended.

diddly xx

**PlanB** · 5 January 2012, 19:08

Re: New user Pip saying "Hello!" and with overview of my situation before setting up diary

Originally posted by Pip View Post

Speaking of laughter, maybe the "Spider" approach might even be better than UE? --
(Link to 27b/6 Overdue Account email exchange)

Pip

Pip, that has got to be one of the most hilarious email exchanges I have ever read. You are definitely going to fit in right here. I wonder whether Niddy should consider a Spider Template Letter for DCAs

**pompeyfaith** · 5 January 2012, 19:21

Re: New user Pip saying "Hello!" and with overview of my situation before setting up diary

our ethos is fuck the banks, help the consumer

Hey I likey that boss !!!!!

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