Angelag's ue Diary

[Never-In-Doubt]

Re: Angelag's ue Diary

I've recieved a letter from triton dated 7th January saying they have recommended natwest instruct solictors to take legal action. I sent the above letter on the 8th January so do i need to reply to their letter as they wouldnt have recieved my most recent letter when they sent this.

I've emailed a copy of the letter

Thanks

Hiya, no - you do not need reply.

[Never-In-Doubt]

Re: Angelag's ue Diary

Recieved another letter from mercers to say they will give us 48 hours to pay or will pass to locall debt collector who may pay me a visit

I'll email a copy of the letter

Not sure what to do with this as i've already sent a letter about a doorstep visit.

Thanks

Nothing, ignore it.

[Never-In-Doubt]

Re: Angelag's ue Diary

Hiya

too many emails are coming from you without the right link here, ie prior to emailing you must provide a post here saying what you've received, what account it is for and then say "emailed Niddy"....

I have therefore wiped all your emails - please start again and send one email, and explain first on here, why you're sending me them. If it is a bog standard letter then I don't need to see them, I only really look at agreements and/or legal stuff.

Please therefore update your diary and any missing gaps, create a new post and send me an email in relation to that post only.

Thanks

[ANGELAG]

Re: Angelag's ue Diary

Hiya

too many emails are coming from you without the right link here, ie prior to emailing you must provide a post here saying what you've received, what account it is for and then say "emailed Niddy"....

I have therefore wiped all your emails - please start again and send one email, and explain first on here, why you're sending me them. If it is a bog standard letter then I don't need to see them, I only really look at agreements and/or legal stuff.

Please therefore update your diary and any missing gaps, create a new post and send me an email in relation to that post only.

Thanks

Yes i did think maybe i shouldnt be sending all the letters i recieve for you to look at, they do sometimes just make me panic.
In the future do i just put on here an explanation of the letter, will someone point me in the right direction about if i need to reply and if so with which letter? Or should i really be looking on here for the correct letter to reply with.
Thanks for your help.

[Elsie52]

Re: Angelag's ue Diary

Don't panic about anything. Niddy has seen so many letters etc from creditors/DCA's etc that he knows the content without you having to send them to him. When you get a letter, post the content on here, if Niddy needs to see it he may well ask you to email it to him. If its a standard sort of letter someone will advise you which letter to reply with, otherwise wait for Niddy to read your diary and he will advise you. I have been on the UE route and I have learned that a lot of the letters from creditors are very repetitive, and not really a major panic, so don't worry if you don't get an immediate reply.

[ANGELAG]

Re: Angelag's ue Diary

Don't panic about anything. Niddy has seen so many letters etc from creditors/DCA's etc that he knows the content without you having to send them to him. When you get a letter, post the content on here, if Niddy needs to see it he may well ask you to email it to him. If its a standard sort of letter someone will advise you which letter to reply with, otherwise wait for Niddy to read your diary and he will advise you. I have been on the UE route and I have learned that a lot of the letters from creditors are very repetitive, and not really a major panic, so don't worry if you don't get an immediate reply.

Thank you that really helps

[Never-In-Doubt]

Re: Angelag's ue Diary

Are you sending me any emails to look at? If not and you've had bog standard letters then just post the gist of it here and i'll know what it is, then advise how to respond....

Thanks

[ANGELAG]

Re: Angelag's ue Diary

Are you sending me any emails to look at? If not and you've had bog standard letters then just post the gist of it here and i'll know what it is, then advise how to respond....

Thanks

Sorry no i havent sent any emails they were just letters which you've confirmed that nothing needs to be done.

[ANGELAG]

Re: Angelag's ue Diary

I've recieved a letter from equidebt about a cca request i made for a cahoot loan my partner has. I havent actually put the details of this one on here, i've put my loan details on here with cahoot.
I had actually completely forgotten about it as we stopped making payments in the middle of last year.
They have sent a credit agreement which looks exactly the same as mine which is enforceable,so i assume this one is. It says on the covering letter it will be returned to santander. What happens now do we contact them to set up a repayment plan. We were previously paying through equidebt. It just worrys me now they will force us to pay the missed payments.

I hope that makes sense.

[Never-In-Doubt]

Re: Angelag's ue Diary

I've recieved a letter from equidebt about a cca request i made for a cahoot loan my partner has. I havent actually put the details of this one on here, i've put my loan details on here with cahoot.
I had actually completely forgotten about it as we stopped making payments in the middle of last year.
They have sent a credit agreement which looks exactly the same as mine which is enforceable,so i assume this one is. It says on the covering letter it will be returned to santander. What happens now do we contact them to set up a repayment plan. We were previously paying through equidebt. It just worrys me now they will force us to pay the missed payments.

I hope that makes sense.

They can't force you to pay anything, just arrange what you can afford...... consider going through a DMP like PayPlan / CCCS

[ANGELAG]

Re: Angelag's ue Diary

They can't force you to pay anything, just arrange what you can afford...... consider going through a DMP like PayPlan / CCCS

I will do, thanks for the help

[Never-In-Doubt]

Re: Angelag's ue Diary

I will do, thanks for the help

Sorry it's not better news, it's a bummer - I know! Can I check, do you own your house?

[ANGELAG]

Re: Angelag's ue Diary

Sorry it's not better news, it's a bummer - I know! Can I check, do you own your house?

Sorry i havent repled - no we dont we're renting.

[Never-In-Doubt]

Re: Angelag's ue Diary

Sorry i havent repled - no we dont we're renting.

Ahh well then a CCJ won't matter too much, usually they only mean something is you own your home cos they can then go for a Charging Order - no such worries for you.....

I'd arrange whatever you can afford, either directly or via DMP.

[ANGELAG]

Re: Angelag's ue Diary

Natwest
£4242.11
Credit Card
Started 2002
Last full payment June 2007
on dmp £18 per month
Recieving letters from natwest


June requested cca
July recieved copy agreement and terms and condtions (not done anything with this wasnt sure if unenforceable)
October sent letter to say unenforceable
October recieved letter to say enforceable and they have fulfilled my request
December recieved letter requesting payment or account will be placed in the hands of an external debt collector
December letter from triton credit services this account has been placed with them for immediate collection
January letter sent to triton to confirm account formally in dispute with natwest and they have 12 working days to reply.
January letter recieved from triton they have recommended natwest instruct solictors to take legal action
January letter recieved from triton to say they have fulfilled my request for cca and the account requires full payment in next 7 days
February letter recd from green and co solicitors on behalf of triton on behalf of natwest threatening court action in 7 days

I've received a letter from Green and co solicitors (it just looks like a typical letter from triton credit services but on Green and co headed paper)
They have been instructed by triton on behalf of natwest and if we dont make a payment or an acceptable offer they are likely to be instructed to commence court proceedings.
What do i need to do?
Any help appreciated.