GDPR Cookie Consent by SimpleServe Privacy Script SeaSaw Diary - AAD Consumer Forum

Announcement

Collapse
No announcement yet.

SeaSaw Diary

Collapse
X
Collapse
 
  • Page of 7
  • Filter
  • Time
  • Show
Clear All
new posts
Previous 1 2 3 4 5 6 7 template Next
  • #1

    SeaSaw Diary

    I’m getting off this seasaw.


     Hi a little about the situation.


     I was on the internet looking for answers’ to OH problem dets and found this wonderful site and spent many days reading the forum what an eye opener it was. Wish I had found it months ago.


     My OH had a heart attack 2007 think that year is correct but will check. Then stroke 07/11. Lost his job 01/12, now he’s fallen in dete with no way to pay. The Debts an unsecured loans and cc in his name only. OH not working, doesn’t know if he will again because of age and health issues and depression. We are on I ESA and dla/m and dla/c.


     He was on a DMP around 07/11 had to stop there was no money; he came to an arrangement to pay £1 month with the loan’s and cc company. Since then 2 have gone to DCA and 1 still with the loan company.


     So now my long but not lonely journey begins.


     Here is my stating point


     1. Ready Niddy’s forum and drink red wine daily.
     2. Leave a call log on desk and putter.
     3. Folders for all accounts paper docs.
     4. Folders created for accounts; also in each folder a folder each for scanned doc’s, letters and progress update.
     5. Memory stick to back up putter.
     6. Start my diary.
     7.Waite for the Lovely people on this site to give advice and words of wisdom.
     8. Wait for ammo to load my gun then shoot, ANKERS away LOL.
    9.Now all the fun begins.
    10. Dont know yet.

     Hope this all make sense. Any comments good or bad most welcome.

    Kind Regards

     SeaSaw
    Last edited by SeeSaw; 1 April 2012, 13:49.
    My Brains not in sycn leave me alone.
    Tags: 2012, accounts, advice, apex, april, arrangement, arrangement to pay, bryan carter, card, cards, cca, cca request, claim, credit, credit cards, daily, dca, debt, debts, default, depression, dmp, esa, eye, fun, help, internet, job, letter, letters, loan, loans, lost, money, niddy, no cca, pay, payments, ppi, prescribed terms, santander, stop, templates, transaction, unenforceability, unenforceable, unsecured, unsecured loans, update, working
  • #2
    Re: SeaSaw Diary

    Abbey (Santander) 2032
    Type of account credit card
    Date commenced well before 2007
    Approx balance 25764.42
    Date last paid £1 month Token March 2012
    Not paying
    Status default
    Account owner DCA Anker’s Fredrickson


    27/03/12 Letter from Fred. Not same account number. Ignored
    4/04/12 CCA sent to Fred
    4/4/12 Letter from Fred Ignored
    4/12 Letter from Fred. Filled away
    5/12 Letter from Fred
    6/12 CCA from Fred not mr seasaw's
    6/12 Final Notice form Bryan Carter Solicitors Pay up or else.
    7/12 sent     Account Sold whilst in Dispute to Brayn Carter
    Last edited by SeeSaw; 4 July 2012, 08:21.
    My Brains not in sycn leave me alone.

    Comment

    • #3
      Re: SeaSaw Diary

      Santander
      Type of account Loan
      Date commenced 26/07/07
      Approx balance £9512.3
      Date last paid £1 month Token Last Paid March 2012
      No Paying
      Status default
      Account owner DCA Anker’s Apex

      This Loan was taken out to pay original loan which was taken out in 2005, PPI for 2007 onwards been paid back, Will need to put claim in for PPI 2005.
      Was paying £1 month Token last paid March 2012
      This has been sent to 3X DCA


      29/03/12 Call 10.18 from Apex told to put in writing.
      4/4/12 CAA sent to Apex
      4/12 Letter from Apex, re home visit appointment.
      4/12 Letter from Apex no cca. Sent back my cheque and letter.
      4/12 CCA sent back to Apex
      5/12 Apex sent Transaction Summary
      5/12 Apex sent Docs most unreadable
      6/12 Letter from Apex
      6/12 sent Missing Prescribed terms. blagging it
      6/12 Apex thank you letter re missing prescribed terms.
      8/12 Apex they would like to refer the recent high Court judgment of Judge Waksman QC handed down 24/12/2009.Also enclosed docs.
      8/12 Cabot have bought account.
      1/14 Cabot its Important I contact them.
      1/14 Cabot they are prepared to reduce the balance.
      3/14 Cabot You must contact us.
      5/14 Cabot We are sending your account to another debt company.
      5/14 Fire Instructed to recover amount owed.
      6/14 Fire despite repeated requests you still owe us.
      8/14 Cabot sent statement of account.
      8/14 Cabot notice of arrears.
      9/14 Cabot We have recalled your account from Fire, and will help me move forward.
      9/14 Cabot Next step they will transfer my account to external debt collection company in 7 days.
      2/15 Cabot sent bi-annual statement of the account       Will file away see what they send next!
      Last edited by SeeSaw; 3 March 2015, 15:21. Reason: update
      My Brains not in sycn leave me alone.

      Comment

      • #4
        Re: SeaSaw Diary

        HSBC Beneficial Finance
        Type of account Loan
        Date commenced Sep 2008
        Approx balance 9635.56
        Date last paid Don’t know. Last £1 03/12
        Arrangement £5 for 3 months
        Status Not in default YET
        Account owner Lender BF
        This Loan was taken out to pay original loan which was taken out in 2005, PPI for 2007 onwards been paid back, Will need to put claim in for PPI 2005 forms have been sent to us don’t know where to start with them.
        This account was paying, £1 token until they rang OH he said he would pay £5 month. Dummy here gave card details so they could take the £5 a month for 3 months. No PIP taken out.
        Went to bank to stop it but can’t until 3 months up then will.
        Warning never give your debit card details over phone to any Anker, because bank cant stop it.

        03/12 set up 3 months payment.
        4/4/12 CCA Sent to Benny
        4/12 Letter from HFC request for Signature
        4/12 Sent CCA request demand of signature letter.
        5/12 Letter HFC request for signature and idenity.         Filed
        5/12Letter from BF
        5/12 Ltter from BF accoount remains overdue.
        7/12 Sent         CCA Reminder - Unenforceability Threat
        01/15 dismissed due to the Claimant’s breach of section 77 of the Consumer Credit Act 1974
        Last edited by SeeSaw; 9 January 2015, 18:07.
        My Brains not in sycn leave me alone.

        Comment

        • #5
          Re: SeaSaw Diary

          Tell them you lost your card they will issue you with a new one
          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

          Comment

          • #6
            Re: SeaSaw Diary

            Well done for getting off the seesaw and starting your diary. I like the way you have read Niddy's forum and drink red wine daily as your No 1 starting point - you'll fit in brilliantly here!

            First of all, stop making any payments and send cca requests to the credit cards.

            The loans are too late for being unenforceable but you may be able to get away with blagging them. If things start getting heavy, we'll be able to help you with what to do next.

            I notice that I2D has already said to report your card lost which was what I was going to say next. Great minds think alike!
            Let your smile change the world but don't let the world change your smile

            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

            Comment

            • #7
              Re: SeaSaw Diary

              Hi SS,
              Well done for finding this site......
              Hope everything turns out well for you....you are most certainly amongst friends,and you will definitely get the right advice....
              Best wishes
              Steve

              Comment

              • #8
                Re: SeaSaw Diary

                Hi

                He no longer have credit card, the CC acount has gone to DCA.


                Kind Regards

                SeaSaw
                My Brains not in sycn leave me alone.

                Comment

                • #9
                  Re: SeaSaw Diary

                  Send cca requests to DCA dealing with each one.
                  Let your smile change the world but don't let the world change your smile

                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                  Comment

                  • #10
                    Re: SeaSaw Diary

                    Just looked again - is there just one credit card? Noticed that the details were the same for both posts.
                    Let your smile change the world but don't let the world change your smile

                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                    Comment

                    • #11
                      Re: SeaSaw Diary

                      Hi
                      I was just thinking and that dangers for me. Why has Santander account of £9812.73 been past to 3 DCA.

                      Any clues

                      Kind Regards

                      SeaSaw
                      My Brains not in sycn leave me alone.

                      Comment

                      • #12
                        Re: SeaSaw Diary

                        Debts do get passed from one dca to another if they're not having any luck at getting payment from you.

                        Has this loan got 3 defaults?
                        Let your smile change the world but don't let the world change your smile

                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment

                        • #13
                          Re: SeaSaw Diary

                          Hi I dont Know much about defaults so dont know why?

                          Kind Regards

                          SeaSaw
                          My Brains not in sycn leave me alone.

                          Comment

                          • #14
                            Re: SeaSaw Diary

                            Originally posted by SeeSaw View Post
                            Hi I dont Know much about defaults so dont know why?

                            Kind Regards

                            SeaSaw
                            As far as I'm aware there can only be one default for each debt. You've put Default X3


                            Originally posted by SeeSaw View Post
                            Santander
                            Type of account Loan
                            Date commenced 26/07/07
                            Approx balance £9812.73
                            Date last paid £1 month Token Last Paid March 2012
                            No Paying
                            Status default X3
                            Account owner DCA Anker’s Apex

                            This Loan was taken out to pay original loan which was taken out in 2005, PPI for 2007 onwards been paid back, Will need to put claim in for PPI 2005.
                            Was paying £1 month Token last paid March 2012
                            This has been sent to 3X DCA


                            29/03/12 Call 10.18 from Apex told to put in writing.
                            Let your smile change the world but don't let the world change your smile

                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment

                            • #15
                              Re: SeaSaw Diary

                              Hi LOL I thoult you got defalut every time it went to DCA. If you look at my sig you will know why LOL.

                              Kind Regards

                              Seasaw
                              My Brains not in sycn leave me alone.

                              Comment

                              Previous 1 2 3 4 5 6 7 template Next
                              Working...
                              X