mr affable's UE diary

[mr affable]

Re: mr affable's UE diary

I guess part of me wants to just let it run its legal course - ie let them apply for judgement - but what is likely to happen then?

[mr affable]

Re: mr affable's UE diary

My partner owns it with no mortgage - I pay rent to her - all of the debts relate to before i met her and she is not party to any of them

[Never-In-Doubt]

Re: mr affable's UE diary

Nope credit it personal not address linked. Only affects you.

Do you own or rent your house?

[mr affable]

Re: mr affable's UE diary

Just had letter from Bryan Carter Solicitors saying they have been instructed by fredrickson on behalf of MINT to issue court proceedings on 22/8 if payment of debt not recd by then.

Niddy has said this one is enforceable - so what is best thing to do now?

one other question - if i do end up getting a CCJ against me would that affect other people in the household getting credit?

[mr affable]

Re: mr affable's UE diary

Thanks Niddy

I am going to send off 'missing prescribed terms' letter to MINT and see what they come back with.

[Never-In-Doubt]

Re: mr affable's UE diary

thanks - i thought it was just me!

My question was - if a creditor gets to the point of applying for a CCJ - can i still avoid it if i then start paying them a nominal amount again?

sure, you can negotiate till the day before court - even to the court steps

[mr affable]

Re: mr affable's UE diary

thanks - i thought it was just me!

My question was - if a creditor gets to the point of applying for a CCJ - can i still avoid it if i then start paying them a nominal amount again?

[Never-In-Doubt]

Re: mr affable's UE diary

Hi Mr A,

Yep some material was lost in the upgrade, I lost some replies as did several other folk. The old forum is up and available I think still in read only mode so you can "cut/copy paste" over to here for anything important.

regards
G

Spot on. Thanks mate.

Nothing was lost its just that I copied the DB at lunchtime and from then till the following morning all posts posted, went to old forum. There's a link to it at the top ^^^ for you to go copy/paste any posts.

Ordinarily I'd have done it manually myself but time is not my friend of late

i think there were only 61 posts left behind on old forum

[garlok]

Re: mr affable's UE diary

Hi Mr A,

Yep some material was lost in the upgrade, I lost some replies as did several other folk. The old forum is up and available I think still in read only mode so you can "cut/copy paste" over to here for anything important.

regards
G

[Deepie]

Re: mr affable's UE diary

Hi

Seem to have lost some of my replies - basically Niddy says Mint is enforceable but send a missing PTs letter to blag it.

Yes that fine....some posts were lost on Saturday when we were doing updates....

[mr affable]

Re: mr affable's UE diary

Hi

Seem to have lost some of my replies - basically Niddy says Mint is enforceable but send a missing PTs letter to blag it.

[Deepie]

Re: mr affable's UE diary

Hi

Had letter from Fredrickson (re Mint)offering one final opportunity before they recommend to their client that they instruct solicitors to issue county court claim against me. In meantime they say they are still prepared to accept a full and final settlement.

Should I be worried or is it just another idle threat?

If it were me I'd send this----> Threat by Creditor - Threat-o-Gram Letter Before Action

I've had letters like that before.....Just a threat well they were for me.

[mr affable]

Re: mr affable's UE diary

Hi

Had letter from Fredrickson (re Mint)offering one final opportunity before they recommend to their client that they instruct solicitors to issue county court claim against me. In meantime they say they are still prepared to accept a full and final settlement.

Should I be worried or is it just another idle threat?

[vint1954]

Re: mr affable's UE diary

Hi

Finally received a copy agreement form etc from MINT (taken over a year!). I have scanned and emailed copy to Niddy for his opinion.

Have also received letter from Blair Oliver And Scott on behalf of Halifax asking for my income & expenditure as my previous agreed repayment (£1 pm) is due for renewal. Presume they dont yet realise i have stopped paying so should i just ignore this at the moment?

Yes just ignore this one until they wake up.

[Enforcer]

Re: mr affable's UE diary

Yes, stop paying.