mr affable's UE diary

[IF]

Re: mr affable's UE diary

Hi, just checking if everything is OK?


Best wishes
IF

[MrsD]

Re: mr affable's UE diary

OK we're all going around in a great big circle here. I would sent both Freds and BC a one liner, telling them you want to refer them to the miss PTs letter that you sent to Mint and enclose a copy to each of them, and don't forget to record it so that we know they have had it. In this instance, since it's a threaty letter, get it off 1st class recorded tomorrow and lets see if that stops them in their tracks

[mr affable]

Re: mr affable's UE diary

Ok - i take your point. Also looks like i sent the letter you are suggesting to BC back in April. Can i send it again?

[MrsD]

Re: mr affable's UE diary

mmm so Fred's aren't aware that you've replied to the CCA......................

need to keep them all in the loop so that they don't think you're just ignoring, because then you look like easymeat. I would send the threat letter to BC and I would put at the botton, "please see letter to Mint dated blah blah" and enclose a copy. They are trying to scare you Affable, and it's working!!!

[mr affable]

Re: mr affable's UE diary

Yes - sent it direct to MINT as the CCA cam from them

[MrsD]

Re: mr affable's UE diary

did you send the missing PTs as Deepie/Nid suggested?

[mr affable]

Re: mr affable's UE diary

Thanks Mrs D - so who would I still have the opportunity to offer a payment schedule to - BC? Just dont see myself having any lump sum anytime soon. But like the idea of not making things easy for them

[MrsD]

Re: mr affable's UE diary

we've (the Dopeys) seen off BC at this stage with this letter, as have quite a few others, as I said BC like a nice easy life, we certainly ain't an easy life. It isn't automatic, they don't "appy" for a CCJ, it has to go to a court, it's the court who would issue a CCJ not BC (they wish!!!) You would still have an opportunity to offer a payment schedule even if they do send papers. But it's up to you, the point of blagging is to give yourself a break and try and get some money together with a view to offering an F&F if you ever need to. Some of us on here have been blagging for quite a few years.................................

[mr affable]

Re: mr affable's UE diary

Sorry Mrs D - wot experience has anyone else had with Bryan Carter at this stage? I just dont know what is the best thing to do - seems to me that either way I will need to start paying something. So presumably I could offer something to Bryan Carter now or continue blagging but they might apply for CCJ anyway?

[MrsD]

Re: mr affable's UE diary

I thought you were blagging this one? We know, because Niddy told us, that it's enforceable but that doesn't mean they know it's enforceable, Bryan Carter like a nice clear field with no complications for their court victims, so I would always try and not be that nice clear field,

[PlanB]

Re: mr affable's UE diary

whilst a CCJ will not affect my home or job is it not still better to agree a repayment (nominal) direct with MINT than to have a CCJ against me and have to pay under that? If it did get to CCJ and have payments agreed by the court do they go on at that level indefinitely (until the debt is paid) or can MINT apply to have them increased?

Yes a creditor can apply to the court to increase payments under a CCJ. They can also apply for an Attachment of Earnings. They don't often do the latter unless you default on the CCJ. But if you're thinking of sitting back and letting a CCJ happen then you should do this with your eyes wide open since you are in employment.

http://www.adviceguide.org.uk/englan...your_wages.htm

In your first post (February 2012) you say you had been paying your debts on an arrangement for over four years which implies you could be not too far away from them falling off your credit file since you got defaulted over five years ago. If you get a new CCJ that will remain on your credit file for six years from the date of the CCJ. Something else you may want to consider.

[mr affable]

Re: mr affable's UE diary

Mrs D - Niddy has said that the CCA they have provided is enforceable so surely the letter you suggest is not appropriate?

Also - whilst a CCJ will not affect my home or job is it not still better to agree a repayment (nominal) direct with MINT than to have a CCJ against me and have to pay under that? If it did get to CCJ and have payments agreed by the court do they go on at that level indefinitely (until the debt is paid) or can MINT apply to have them increased?

[PlanB]

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?

Are you in the kind of job or profession where a CCJ might be detrimental to your employment status such as the financial sector or law?

[Never-In-Doubt]

Re: mr affable's UE diary

If you're not on any mortgage a CCJ matters little as you say

[MrsD]

Re: mr affable's UE diary

Bryan Carter as just numpties, I'd pop off http://www.all-about-debt.co.uk/inde...-before-action and see where we go from there