Pebbles88 UE Diary

[Deepie]

Re: Pebbles88 UE Diary

Send this > Account Sold whilst in Dispute
None of these letter's you send admit the debt

hello my lovlies...

well well well

nelson guest & partners solicitors has wrote again.... still acting on behalf on westcot,

states that whilst westcot are still willing to consider realistic options for repayment based on our circumstances, this matter cannot remain outstanding any longer. Unless full payment is made to westcot, or a suitable replayment plan agreed, within 10 days of this letter, further recovery activity will be undertaken.

its digitally signed, so a standard letter I know. I havent communicated with westcot since they first contacted me, nor have i communicated to nelson guest yet.

any advice on what my next step would be? as before I am wary of keeping replying to any letters on this as i dont want to keep admitting the debt, id prefer it to go stature barred!!

[pebbles88]

Re: Pebbles88 UE Diary

Send this > Account Sold whilst in Dispute
None of these letter's you send admit the debt

thank you In 2 Deep, will get it posted on monday , as have to print it at work, as have no ink left and not enough pennies til payday to get a new one!

[pebbles88]

Re: Pebbles88 UE Diary

hello

i have just gone to start my reply back to Nelson Guest, and am a bit flummoxed by something.....

there is an address for nelson guest.... but on the reverse of the letter, right at the bottom, there is a disclaimer... lots of blurb, we believe you have been offered all the info you need to settle this matter etc etc. it then states to resolve any queries to refer them to Westcot Credit Services....

I have already sent the above letter to westcot when they got shirty & started to threaten. SHould i send it again in reply to this solicitors letter? why are the wassocks getting nelsons to send a letter then putting that all queries need to go bk to westcots?

[pebbles88]

Re: Pebbles88 UE Diary

ah i see, on reading the full letter again, i can see it does say to contact westcot.....so same game, new outfit...

i will send the letter back to westcot.....

wonder what they will do if i don't answer....???

[Never-In-Doubt]

Re: Pebbles88 UE Diary

ah i see, on reading the full letter again, i can see it does say to contact westcot.....so same game, new outfit...

i will send the letter back to westcot.....

wonder what they will do if i don't answer....???

Hiya

Noooo - ignore what they tell you! THEY wrote to you, so respond to them - NOT Wescot. Wescot will annoy you directly in due course, for the time being just send that to GPB or ignore it. Its up to you.

[pebbles88]

Re: Pebbles88 UE Diary

Hiya

Noooo - ignore what they tell you! THEY wrote to you, so respond to them - NOT Wescot. Wescot will annoy you directly in due course, for the time being just send that to GPB or ignore it. Its up to you.

oops....got to this too late!

had already replied to westcot, with the letter as detailed above, just got reply yesterday from westcot.....

"we refer to your recent communication. Having contacted our client they have advised they issued a final response on 15/5/09 confirming that they had complied with your CCA request and full balance is due.

in the circumstances, we believe the dispute has now been resolved and the full balance or an agreed monthly instalment is required by return.

then just goes on to list payment method options.

if in the event you believe you still have a valid dispute, please contact us with the details within the next 14 days otherwise your account will be returned to our recovery team for collection"

heads fuzzy today, had an operation yestreday and struggling to think!

what/if/should i reply with? or just ignore?

OH has just lost his job, my wage doesnt cover all our bills, its the 20th anniversary of losing my father, huge disaster last wkend with my sis & overdose following her getting beaten by her slug/dog poo of a partner, mum not getting any better.

never rains but pours eh. sorry for the self pity, just could really do with a break from this, or something nice happening.

[Deepie]

Re: Pebbles88 UE Diary

oops....got to this too late!

had already replied to westcot, with the letter as detailed above, just got reply yesterday from westcot.....

"we refer to your recent communication. Having contacted our client they have advised they issued a final response on 15/5/09 confirming that they had complied with your CCA request and full balance is due.

in the circumstances, we believe the dispute has now been resolved and the full balance or an agreed monthly instalment is required by return.

then just goes on to list payment method options.

if in the event you believe you still have a valid dispute, please contact us with the details within the next 14 days otherwise your account will be returned to our recovery team for collection"

heads fuzzy today, had an operation yestreday and struggling to think!

what/if/should i reply with? or just ignore?

OH has just lost his job, my wage doesnt cover all our bills, its the 20th anniversary of losing my father, huge disaster last wkend with my sis & overdose following her getting beaten by her slug/dog poo of a partner, mum not getting any better.

never rains but pours eh. sorry for the self pity, just could really do with a break from this, or something nice happening.

Just ignore that for now.

[pebbles88]

Re: Pebbles88 UE Diary

Just ignore that for now.

okies, will do. Thanks for replying so quickly!

[pebbles88]

Re: Pebbles88 UE Diary

hello guys,

i need some help with a letter. short story. we have a halifax overdraft that we have been in for a while, all been ok with it so far, have been paying in a certain amount, then transferring it back out to our new accounts just to keep the o/d facility there. we do accrue some interest on it, but has been manageable and whilst we have been concentrating on the other debts, we have let it be.

however now with OH losing his work, we cant continue as we are. So i want to write to the bank to ask them to freeze the overdraft, and hopefully, be good enough to freeze charges too so that we can pay an amount each month to reduce the balance.

is there a template one on here? Have had a look, but not found any so far.

hope to hear soon, thanks

[Never-In-Doubt]

Re: Pebbles88 UE Diary

hello guys,

i need some help with a letter. short story. we have a halifax overdraft that we have been in for a while, all been ok with it so far, have been paying in a certain amount, then transferring it back out to our new accounts just to keep the o/d facility there. we do accrue some interest on it, but has been manageable and whilst we have been concentrating on the other debts, we have let it be.

however now with OH losing his work, we cant continue as we are. So i want to write to the bank to ask them to freeze the overdraft, and hopefully, be good enough to freeze charges too so that we can pay an amount each month to reduce the balance.

is there a template one on here? Have had a look, but not found any so far.

hope to hear soon, thanks

Usually for freezing interest you can send templates, yes - but the actual specifics of freezing the OD and using it like a payment plan thing is specific so you need to do that.... However I would go with something along the lines of:

Dear Sirs

Account No/Reference No: XXXXXXXX

I write with reference to my personal overdraft attached to my current account, however due to my partner losing his job it's now impossible for me to clear the overdraft and I wonder if you are prepared to assist by way of freezing all charges for a few months, whilst we get back on our feet?

In view of these circumstances, please would you agree to accept a reduced offer of £xx.xx per month. If interest or other charges are being added to the account I would be grateful if you would freeze these so that all payments made will reduce what I owe. Should my circumstances improve I will contact you again. In the meantime, I'd appreciate it if you could send me a paying-in book / standing order form to make it easier to pay you.

Thank you for your assistance, I look forward to hearing from you as soon as possible.

Yours faithfully

[Never-In-Doubt]

Re: Pebbles88 UE Diary

Templates for general debt and the likes, are found here: ---> Templates - General Debt

[pebbles88]

Re: Pebbles88 UE Diary

Thanks Niddy, I'll start with the one you outlined and go from there with them. fingers crossed, but not holding my breath with it. I know what barstools they have been over a lot less money!

[Never-In-Doubt]

Re: Pebbles88 UE Diary

Thanks Niddy, I'll start with the one you outlined and go from there with them. fingers crossed, but not holding my breath with it.!

See what happens, luckily as it's just an o/d you don't actually need to repay it, just fund the account to keep it live but yea, you will get charged the typical £1 per day from HFX. OR login and open a secondary account (the classic current account) which has a different charging structure for overdrafts......

Their charges are slightly different now I think......

Good Luck

[pebbles88]

Re: Pebbles88 UE Diary

See what happens, luckily as it's just an o/d you don't actually need to repay it, just fund the account to keep it live but yea, you will get charged the typical £1 per day from HFX. OR login and open a secondary account (the classic current account) which has a different charging structure for overdrafts......

Their charges are slightly different now I think......

Good Luck

we dont have anything to fund the account with at the mo though, thats the worry, OH has a 2nd interview this week for a job, and he has told em he can start asap - so that might help.

[Never-In-Doubt]

Re: Pebbles88 UE Diary

You'll need to offer a fiver, or at least a pound even....? Anything is better than nothing......

See how you get on and what they say when you send that letter above

* Good luck with interview for OH