Miss Muddle's UE Diary

[Miss Muddled]

Re: Miss Muddle's UE Diary

Many thanks cym had a funny feeling somebody was going to say ont be SB till September...just our luck.

May need to put this lot on back burner just now. Mr M been admitted to hospital yesterday with Pneumonia so need to prioritise things.

They did send me a CCA copy way back in 2009. Was wondering whether to either ignore them...or send another CCA request to try stall them till September when it will be SB.

[Miss Muddled]

Re: Miss Muddle's UE Diary

I agree Cym...and how unprofessional of her!!! You don't have a right to be angry at patients. Should never happen, they need understanding and support. Makes me so angry!!! LOL

Good Morning Elsa

Sorry missed this post Mr M was admitted to hospital yesterday with Pnuemonia (just to top everything else)

Exactly Elsa, she has conducted herself in a very unprofessonal way and to be honest with you that is why we(I) want another appointment with her (face to face) to tell her exactly what we(I) think.

In the meantime trying to deal with this Capital 1 lot that has raised their ugly heads.

Hope everything and everybody well at your end.. Your Grandchildren will be getting soooo big, where does the time go.

[Pixie]

Re: Miss Muddle's UE Diary

Hi MissMuddled. Sorry to hear that Mr M was admitted to hospital

I would write Marlin's name on the PO yourself. I don't know why they're saying it needs to be made out to them unless they're just playing silly beggars...all the POs I sent were blank and I didn't have any problems.

I would send Capital One a new cca request...it will help the time to SB to pass....

[Miss Muddled]

Re: Miss Muddle's UE Diary

Hi MissMuddled. Sorry to hear that Mr M was admitted to hospital

I would write Marlin's name on the PO yourself. I don't know why they're saying it needs to be made out to them unless they're just playing silly beggars...all the POs I sent were blank and I didn't have any problems.

I would send Capital One a new cca request...it will help the time to SB to pass....

Hi Pixie

Many thanks for your kind words,. Mr M seems to be doing not too bad with Antibiotics and Fluids.

The Marlin PO problems isn't ours think S2M has posted it in wrong thread.

Will send Cap 1 a CCA request, but will leave it a few more days to waste more time. Hopefully by wasting time it will see us through to September but pretty much sure CCA not good.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Account No, 9

LOAN ACCOUNT WITH PAYMENT PROTECTION

Type of account:– Originally Loan from 1 st National transferred to GE Money
Date commenced:- 2003
Approx balance:- £1,000
Last full payment paid:- 2007
Arrangement or not paying: – Never paid since 2007
Assigned to: Link Fiancial 2007 (never paid anything to them)

Totally forgot about this one, for many years only ever received statements from Link Financial every 6 months or so and maybe few leters saying pay up or else.

Never paid since 2007 so would expect it to be SB however on checking a few of the statements they have allocated a £1 payment to this account in 2009 which would have been payment for the CCA that we applied for in 2009 is this allowed to be added to the account to restart SB clock, sure I have read somewhere that this is not allowed but not sure if was on AAD or when I was on CAG (many years ago now).

Now received a letter from Robinson Way today demanding payment, anybody any pointers on what we should do.

They obviously don't think its SB or do they and are just trying to bully us into paying.

Hi Folks

Robinson Way have replied today to our Statue Barred letter we sent them in April.

They say:
"Further to your recent query, please find a copy of a letter that yo sent to our client. As this acknowledges the account within the last 6 years, your account is not statute barred. Please complete the enclosed financial statement and return with your affordable proposal for payment within the nex 14 days".

They state 6 years but we all know its 5 years for Scotland so if they are correct still got till September 2014 again with this one also.

1. The CCA request letter they are referring to was from 2009 when I was on CAG (we all now know that CAg's template letters are not solid like AAD).

2. The CCA I recieved in 2009 has our account number hand written (we have original and there is nothing writting on this.

3. There was also Payment Protection included on this loan which was miss sold to me because I didnt work enough hours to make a claim.

Getting really worried about this one as we don't have £1,000 to pay them. Brain just totally frazzled just now due to personal problems, so really not sure what to do know.

Was thinking of sending Niddy the CCA (Recieved 2009) and copy of both letters recieved today

Oh how we wish AAD was about a few years earlier, bet this template we got off CAG was useless.

[cymruambyth]

Re: Miss Muddle's UE Diary

By requesting a CCA you are not acknowledging the account, even with a CAG request! I agree it is a shame that AAD didn't start a few years earlier as it would have saved me a lot of heartache and a CCJ!

if you have not paid for 5 years in Scotland then it is SB. Try not to worry, much easier said than done.

[Miss Muddled]

Re: Miss Muddle's UE Diary

By requesting a CCA you are not acknowledging the account, even with a CAG request! I agree it is a shame that AAD didn't start a few years earlier as it would have saved me a lot of heartache and a CCJ!

if you have not paid for 5 years in Scotland then it is SB. Try not to worry, much easier said than done.

Hi cym

Many thanks for fast reply cym.

Oh cym if only Niddy and co could have been here sooner, CCJ do cause a lot of heartache. We also got one before AAD came along and a charging order, which both have now been paid off.

However, very fortunately for us cym , Niddy did save us major heartache when Elsa guided us to AAD from CAG (where we were just going round in circles). This site is just a life saver too many people like us out there, never will we be able to repay them., totally priceless. Hate to even imagine where our family would be today had Elsa not guided us here..

We Defoinately have not paid in last 5 years, but as you say much easier said than done not to worry. On saying that got lots more major health issues going on just now with Mr M.

However not quite sure how to reply to RW as they now want us to pay.

[Deepie]

Re: Miss Muddle's UE Diary

We Defoinately have not paid in last 5 years, but as you say much easier said than done not to worry. On saying that got lots more major health issues going on just now with Mr M.

However not quite sure how to reply to RW as they now want us to pay.

• Have you seen this letter---> Refusal to Accept Statute Barred

[Miss Muddled]

Re: Miss Muddle's UE Diary

• Have you seen this letter---> Refusal to Accept Statute Barred

Thanks deepie for link, but says im not authorised to access this letter.

[Miss Muddled]

Re: Miss Muddle's UE Diary

Thanks deepie for link, but says im not authorised to access this letter.

Got it....helps if i sign in...

[Deepie]

Re: Miss Muddle's UE Diary

Thanks deepie for link, but says im not authorised to access this letter.

Got it....helps if i sign in...

Are you in now ?

[Deepie]

Re: Miss Muddle's UE Diary

Hi Deepie..
Many thanks for link..in now. Great help didn't realise there was another letter for SB. Will send the Refusal to Accept SB letter in couple of weeks, as they have said they will give me 14 days to reply. Why not let them wait eh..

Good plan

[Miss Muddled]

Re: Miss Muddle's UE Diary

Are you in now ?

Hi Deepie..
Many thanks for link..in now. Great help didn't realise there was another letter for SB. Will send the Refusal to Accept SB letter in couple of weeks, as they have said they will give me 14 days to reply. Why not let them wait eh..

[PlanB]

Re: Miss Muddle's UE Diary

We Defoinately have not paid in last 5 years, but as you say much easier said than done not to worry.

It seems you're home and dry with SB on this one so you definitely shouldn't be worrying. I also notice that you had PPI on this account so if things get nasty (which they won't) you've also got that up your sleeve.

So that's two reasons not to worry

[Miss Muddled]

Re: Miss Muddle's UE Diary

It seems you're home and dry with SB on this one so you definitely shouldn't be worrying. I also notice that you had PPI on this account so if things get nasty (which they won't) you've also got that up your sleeve.

So that's two reasons not to worry

Hi Plan B

Will send Refusal SB letter that Deepie gave me a link to to them in 2 weeks time. They have stated in their letter 6 years for SB, obviously haven't taking the time to look at our address and realise we are in Scotland not sure if I should point this out to them or not.

We did try to claim the PPI way back but was told that it wasn't under the jurisdiction of the FOS so just gave up.

Everyone on here is a priceless asset to AAD you all give us the Inspiration and Courage to carry on.