mr affable's UE diary

[mr affable]

Re: mr affable's UE diary

So would it be best to keep on paying at least £1 to my other creditors as well until I know whether they are enforceable or not?

Also are the Halifax (which is enforceable) likely to keep on accepting £1 for as long as I keep convincing them that I have no reasonable surplus of income over expenditure each month?

[mr affable]

Re: mr affable's UE diary

Thanks Niddy.

Must confess I am a bit confused in that earlier in my thread others had been saying stop paying anything as this will start the statute of limitations running. Also that the likely worst a creditor with an enforceable debt could do was to get a CCJ and that this was no big deal (based on the fact that my credit rating is stuffed anyway).

But now you are saying keep paying my nominal payment to Halifax who we have established have an enforceable debt?

[mr affable]

Re: mr affable's UE diary

I made the payments on 1 March - so can set up again to go through for 1 April. So no break in payments.

[Never-In-Doubt]

Re: mr affable's UE diary

Ok - I had just cancelled all my £1 payments wef last payments made on 1 March but can start this one up again. Will that keep them from doing anything further for the time being?

Hopefully as you're only a week or so late

[mr affable]

Re: mr affable's UE diary

Ok - I had just cancelled all my £1 payments wef last payments made on 1 March but can start this one up again. Will that keep them from doing anything further for the time being?

[Never-In-Doubt]

Re: mr affable's UE diary

Maybe best to continue for now I'm afraid.

[mr affable]

Re: mr affable's UE diary

Just been making nominal £1 payments since Feb 2008.

[Never-In-Doubt]

Re: mr affable's UE diary

Have you been paying or not?

[mr affable]

Re: mr affable's UE diary

Thanks for getting back to me so quickly - even if its not what I wanted to hear although this was the one that was taken out after April 2007 so I had an inkling that would be the case.

Will see what happens with the others.

I am just surprised that Halifax have not taken any action over the past 4 years. Maybe they will now?

[Never-In-Doubt]

Re: mr affable's UE diary

Sorry but that's enforceable. The page you signed contains all the PT's

[Never-In-Doubt]

Re: mr affable's UE diary

That's fine mate. Those pages are recons

[mr affable]

Re: mr affable's UE diary

pages 1-4 emailed

Do you want me to send 2 more emails with 5-8 & 9-12?

[Never-In-Doubt]

Re: mr affable's UE diary

Please resend pages 1-4 only. Am on iPhone and can't open last email as too darn big

Thanks

[mr affable]

Re: mr affable's UE diary

My first CCA agreement received (from Halifax).

Have sent to Niddy for checking.

Emailed Niddy

[mr affable]

Re: mr affable's UE diary

Brill - thank you