mr affable's UE diary

[mr affable]

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?

[Pixie]

Re: mr affable's UE diary

If it was so long ago, I would just wait and see what they send.

Let us know when you receive anything from them.

[mr affable]

Re: mr affable's UE diary

Think it was about May 2012

[Pixie]

Re: mr affable's UE diary

Ok - so i have cancelled my standing orders for £1 a month to Halifax and Northern Rock. They have previously sent me their copy CCA agreements (which Niddy has confirmed are enforceable). What happens next? presumably I just wait to hear from them but there are no template letters i can use?

How long is it since you received the ccas from them?

[mr affable]

Re: mr affable's UE diary

Ok - so i have cancelled my standing orders for £1 a month to Halifax and Northern Rock. They have previously sent me their copy CCA agreements (which Niddy has confirmed are enforceable). What happens next? presumably I just wait to hear from them but there are no template letters i can use?

[ScabHunter]

Re: mr affable's UE diary

Thanks Mrs D

Think i am ready now to stop paying my £1 and see what they hit me with - presumably it will be much the same as the others and they are not going to suddenly take me to court (especially as i dont have any spare money to pay them)and if things did get heavy I can always start paying my £1 again?

Paying £1 or not has no bearing on whether or not they can take you to court. If there is an alleged debt, they can sue you for it. What it does have bearing on is the limitation clock, continually resetting it to six years.

If you want to follow a UE strategy, you need to stop paying. The alternative is to try for a F&F settlement. That can get it over more quickly, but only if you are able to negotiate, and obviously only if you pay more money. I'd definitely give UE a try if it was me, especially if you don't own your own property.

SH

[mr affable]

Re: mr affable's UE diary

Thanks Mrs D

Think i am ready now to stop paying my £1 and see what they hit me with - presumably it will be much the same as the others and they are not going to suddenly take me to court (especially as i dont have any spare money to pay them)and if things did get heavy I can always start paying my £1 again?

[MrsD]

Re: mr affable's UE diary

OK then I would send the CCA request to Freds, with a postal order and send recorded so that you can track when it's signed for.

with the others it's up to you but I would definitely be blagging

[mr affable]

Re: mr affable's UE diary

Thanks Mrs D

I didnt send the one liner cos I realised that all MINT had done before was return my request and postal order saying my letter hadnt been signed (I signed it electronically)then when I sent the letter suggested by others here pointing out they didnt need my signature they returned it again saying i hadnt enclosed the payment - so i gave up!

As regards the 2 creditors that I still pay £1 to I had thought that if i didnt keep paying they would take me to court but judging from the others they probably wont do anything either so maybe now is the time to stop paying?

[MrsD]

Re: mr affable's UE diary

And another thought........

As I had CCA forms from Halifax and Northern Rock that Niddy said were enforceable I have continued to pay them £1 per month but stopped all payments to my other creditors. But should I stop making even those £1 payments to Halifax & Northern Rock and see what further action they take?

Nobody else seems to have taken any action even though they have threatened that they may do this or may do that!

some of us have been blagging enforceable debts for quite some time........but it is up to you, if you keep paying £1 it's always going to be there

[MrsD]

Re: mr affable's UE diary

Hi

Just thinking again about my previous post #169 and reply #170 - presumably I could just send another CCA request via Fredrickson as they suggest and then wait for them to respond?

did you send the one liner that Deepie suggested?

[mr affable]

Re: mr affable's UE diary

And another thought........

As I had CCA forms from Halifax and Northern Rock that Niddy said were enforceable I have continued to pay them £1 per month but stopped all payments to my other creditors. But should I stop making even those £1 payments to Halifax & Northern Rock and see what further action they take?

Nobody else seems to have taken any action even though they have threatened that they may do this or may do that!

[mr affable]

Re: mr affable's UE diary

Hi

Just thinking again about my previous post #169 and reply #170 - presumably I could just send another CCA request via Fredrickson as they suggest and then wait for them to respond?

[Deepie]

Re: mr affable's UE diary

Hi

Have just been advised by Waitrose that my account has been transferred to Buchanan Clark & Wells who have now contacted me asking for my repayment proposals. What should i do?

I would send this if it were me----> Account Sold whilst in Dispute

[mr affable]

Re: mr affable's UE diary

Hi

Have just been advised by Waitrose that my account has been transferred to Buchanan Clark & Wells who have now contacted me asking for my repayment proposals. What should i do?