Miss Muddle's UE Diary

[Undercover Elsa]

Re: Miss Muddle's UE Diary

Heyyyy Miss Muddled, how you doing honey?
Are you feeling any better? xx

[IF]

Re: Miss Muddle's UE Diary

Not sure which thread to put this into so if this post needs moved someone please feel free to move it...

Received email regarding paid subscription to "AAD Fighting Fund" not sure/can't remeber if I have recurring subscriptiom or if need to renew subscription can someone help me find out as wouldn't want subs to run out and my access denied.

Niddy will turn this reminder off and it's the name we call donations, basically if you paid through the forum then it allocates a yearly trigger, so please ignore it MM

IF

[Miss Muddled]

Re: Miss Muddle's UE Diary

Not sure which thread to put this into so if this post needs moved someone please feel free to move it...

Received email regarding paid subscription to "AAD Fighting Fund" not sure/can't remeber if I have recurring subscriptiom or if need to renew subscription can someone help me find out as wouldn't want subs to run out and my access denied.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Thanks pixie..just needed to make sure I was doing right. Much appreciated..

[Pixie]

Re: Miss Muddle's UE Diary

Yes I would.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Hiya

What is this, a catalogue or what? To shut em up send a new cca AND telephone harassment letter (same envelope)....

Hiya Niddy

Hope you and family all well at your end....you been very busy man of lately (when are you never a busy man I hear Mrs Nids say) cracking new site you have put mega work into this site, it so geartly appreciated by us and everyone else on AAD.

This was for an old Dorothy Perkins store card with GE Money which was assigned to AK way back in 2007. There is lots of late charges on this account too which they refused me way back due to not being covered at the time by FOS. So could I counter claim with charges if they tried to go to court.

Will send CCA request and Harassment letter to them today. They also threatening doorstep visit shall I send Doorstep Visit letter also,,,

[Never-In-Doubt]

Re: Miss Muddle's UE Diary

Hiya

What is this, a catalogue or what? To shut em up send a new cca AND telephone harassment letter (same envelope)....

[Miss Muddled]

Re: Miss Muddle's UE Diary

Account No. 8

STORE CARD

Type of Account..........Store Card
Date Commenced......2001
Approx Balance...........£900
Last Full Payment.......2007
Arrangement................Stoped arrangement in 2010
Status..............................Didn't recieve a Default Notice from GE Money.
Account Owner............Assigned to Aktiv Kapital aprox October 2007.

2007
June - Stopped payments due to financial difficulty.
July - Dec Recieved letters offering 50% discount - Ignored them
Oct 2--7 - July 2010 Payment arrangement

2009
May - Received copy of CCA and was told by another forum (CAG) it was enforable so got scared and carried on with payment arrangement.

2010 - 2013
June - Stopped Payment Arrangement
July - Dec Received more discount letters

2014
Feb -
Received threantening letters that they could take action copy in above post.

Its been such a long time since I received a copy of the CCA (2009)do you think it would be worth while applying for another copy to see if they still hold a copy or do I try come to some arrangemtn.

I could send Niddy the CCA copy they sent me in 2009 for his expert opinion.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Account No. 8

STORE CARD

Type of Account..........Store Card
Date Commenced......2001
Approx Balance...........£900
Last Full Payment.......2007
Arrangement................Stoped arrangement in 2010
Status..............................Didn't recieve a Default Notice from GE Money.
Account Owner............Assigned to Aktiv Kapital aprox October 2007.

2007
June - Stopped payments due to financial difficulty.
July - Dec Recieved letters offering 50% discount - Ignored them
Oct 2--7 - July 2010 Payment arrangement

2009
May - Received copy of CCA and was told by another forum (CAG) it was enforable so got scared and carried on with payment arrangement.

2010 - 2013
June - Stopped Payment Arrangement
July - Dec Received more discount letters

2014
Feb - Received threantening letters that they could take action copy in above post.
Feb - Sent CCA Request, Telephone Harrassment, & Doorstep Visit Letters
March - Received letter from AK they trying to gety copy of CCA from original creditir (Have already had a copy from them in 2009) so no doubt they should have a copy)
March - Oh SHit just recoevd a copy of the CCA from AK (Was hoping they couldn't find one after all this time. will need to send to Niddy for hos expert advice.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Hi Folks...

To be really honest got a lot of personal and health problems which trying to deal with right now and now this has landed on our doormat.....

Over the years we had a few accounts with Aktiv Kapital nothing too scarey and basically they have left us alone apart from lots of tletters offering dicounts. Hevn't put this account in our siary yet as they weren't bothering us for so long....

We have just relised that out of the 3 accounts that they had two are SB which seems to have made them a wee bit irate to say the least as over the past two weeks they have been calling our home (luckily Truecall barring them) nearly ever hour every couple of days.

Now we have recieved a letter regarding the 3rd account which is not SB until late next year.

The letter says....(will have to type out dont know how to attach)

IMPORTANT INFORMATION PLEASE READ

We have written to you several times now about your outstanding balance, yet it appears you are still choosing to avoid contacting us.

This is your last opportunity to contact us to agree repayment on this account before we commence our review to determine our next course of action.

To avoid further action you can still access New Deal with the option of setting up a monthly payment arrangement to suit your budget or clearing your account with a full and final settlement amount from as little as (Basically 65% discount)

We have few other options left open to us now so if we do not hear from you within 10 days this may result in the following action:

1. We may issue instructions to our solicitor to commence legal action which may result in a judgement being recored against you.

2. We may pass your account for doorstep collections, where external agents will attend your home to gain a better understanding of your personal circumstance and your reason for non payment.

You can take up our settlement offer by caling us on .........and making payment via Creit/Debit card or by visiting our website and making a one off payment.

If you cant clear your account at this time then you need to call us so we can talk through your options with you.

We would prefer an amicable resolution, however should this not be possible by the specified date we will not hesitate to take further action.

Could this be a letter before action or does it have to be headed A letter Before Action.

Will set out a diary in next post to let you see how this hads traspired over the years...

[Pixie]

Re: Miss Muddle's UE Diary

from me too Miss Muddled.

I know from personal experience that other things take a back seat when you're not well. Take care of yourself and Mr Muddled...the dcas can wait.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Sending you a

and a hug from me too MM

they would be mailshots to be honest, a vain hope to get you to decide to give them a Christmas present, I would just wait and see what happens next. Meanwhile you and Mr M look after each other, that is much more important than any pesky DCA or bank

you take care, just let us know if anything else pops through the letter box

xxx

A big hug from me too Miss Muddled.
I hope everything will start to get better soon. As MrsD says, concentrate on your health, it will take a little while for the meds to kick in, but you should feel better soon.
Love to you all xxxx

This is what makes this forum, site (whatever you want to call it) so special.The community on here is second to none.
Loopyloo and IF thanks you so much for hugs and kind words its so greatly appreciated.

MrsD how right are you as long as we have our health nothing else really matters (until you have a DCA breathing down your neck) but hopefully once meds kick in I shall start to be stronger again (Doc says I've taking to much over the years and now system telling me to slow down, easier said than done when you have a Hubby who is so bad with depression himself all due to his physical state of health.

Elsa, I would have been in a worse state than I am just now if it hadn;t been for you (nearly 2 years ago) guiding and helping us from CAG onto AAD and finding Niddy, your kindness is unrepayable, hopefully once meds do kick in I shall pick up, Doc says another couple of weeks if no change then she will change meds.

Then when I come on to here and see what others are having to endure I think give yourself a kick up the rear and get on with things...but, it doesn't work like that, if only....

to all of you, you are our inspiration.

[Undercover Elsa]

Re: Miss Muddle's UE Diary

A big hug from me too Miss Muddled.
I hope everything will start to get better soon. As MrsD says, concentrate on your health, it will take a little while for the meds to kick in, but you should feel better soon.
Love to you all xxxx

[MrsD]

Re: Miss Muddle's UE Diary

Hi Folks..

Wee update..Please bear with me as finding this hard to write..Not been on here as much as usual (just reading posts)not been in a good place lately, suffering from Depression, Anxiety, Panic Attacks and poor concentration, came on all of a sudden at Xmas but didnt really understand what was happening to me (Wasn't long out of hospital after surgery and thought it had something to do with that). Finding it very hard to cope with at the moment.

Hubby (mr M) not in good health at moment (lots of things going on) and our eldest Daughter who has been getting treated for headaches with Ibruprofen and Paracemtamel collapsed again and taking into hospital she needed fluid drained off her brain, too much pressure waiting for Neurologist report.

As for DLC they have sent us two letters over the Xmas period offering us discounts but to be hones I just ignored them (hope havent ruined all Niddys hard work) everything just seems so muddled up in my brain even more than ever at this present time. Been put on medication but not sure how long it takes to help.

they would be mailshots to be honest, a vain hope to get you to decide to give them a Christmas present, I would just wait and see what happens next. Meanwhile you and Mr M look after each other, that is much more important than any pesky DCA or bank

you take care, just let us know if anything else pops through the letter box

xxx

[IF]

Re: Miss Muddle's UE Diary

and a hug from me too MM