onesteptoofar UE Diary

[onesteptoofar]

Re: onesteptoofar UE Diary

Hi Niddy,

I haven't paid a single penny since Aug/Sept 2010.

Amazed i haven't had more letters tbh, but i'm not complaining!




onesteptoofar

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Hi Niddy,

I have just received a letter from Lloyds. The DCA (Moorcroft) must have referred the loan back to them as i was giving them no joy

The letter basically says 'our agents have been in touch with you and they have been unable to agreee a repayment programme...pay the full balance (7500) in ten days or we will commence legal action...'

Any ideas / is now the time to offer a f+f?

Are you still paying token £1 payments? Please confirm first of all.....

[onesteptoofar]

Re: onesteptoofar UE Diary

Lloyds Loan - 20k - Taken July 2005
Enforceable CCA - Niddy checked
Outstanding balance - 7500
Last full payment made - June 2009
Token 1 pound payments made to relevant DCA's Oct 09-Present
Default - Nov 2009
DCA - Moorcroft

Current Status - Moorcroft have not produced a CCA themselves (their latest correspondence assures it is on its way from Lloyds). Offered 1820 as a f+f, no response. (Sept 2010)

I wish to negotiate a f+f but the most i can possibly afford is around 2300. Will continue to make token 1 pound payments and wait for a reply to my f+f offer.
Outstanding balance - 7500
Last full payment made - June 2009
Token 1 pound payments made to relevant DCA's Oct 09-Sept 10
Default - Nov 2009
DCA - Moorcroft

Status - Received a letter in Sept stating they had received my request for a CCA, had requested this from Lloyds and were placing the account on hold for the time being (previous DCA produced an enforceable CCA).

Have not made any token £1 payments since Sept. No response to my offer of f+f made in Sept.

Should I just wait for them to produce the CCA thats already been produced by another DCA? I would like to f+f the debt and begin cleaning up my credit file asap. Moorcroft are worse than me for ignoring letters ;D

Hi Niddy,

I have just received a letter from Lloyds. The DCA (Moorcroft) must have referred the loan back to them as i was giving them no joy

The letter basically says 'our agents have been in touch with you and they have been unable to agreee a repayment programme...pay the full balance (7500) in ten days or we will commence legal action...'

Any ideas / is now the time to offer a f+f?

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Cheers mate - best of luck, keep us updated and lets see what happens yea?

[onesteptoofar]

Re: onesteptoofar UE Diary

Hiya Niddy,

I'll pop back on later in the week with a full update for each debt from scratch to keep things simple.

As things stand no legal action has commenced. Following the legal template everything has gone eerily quiet.

No doubt i'll get a hatful of letters next week

Shares...

Problem area and reason for my urgency for f+f's.

I worked for a company previously and through a save as you earn scheme have acquired shares which in theory are worth over 50k. However, as the company is still privately owned the shares are simply a certificate which cant be bought/sold until the company eventually floats.

The company floated...so i'm in the fortunate position of being able to offer f+f's whenever the time is right.

Its gotta be a case of "take me to court if you want anything otherweise piss-off"..... that's the best attitude and because you are in the enviable position of being able to afford to repay the F&F offers - then save the funds til a rainy day if you can. If they push for court hard enough then i'll advise to back down or whatever....... either way, you'll get a better deal than you'll currently be able to secure.

This is the route i'm currently taking. I'm so much less stressed nowadays, if anyone else is in a position like i have been just relax, take a deep breath and don't rush into anything. Ask here first!

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Hi Niddy,

I am not a homeowner, but i do have my shares tucked away hh , and i now have a full time job. Not sure how this affects things?

I'll take things as far as you advise i can! I'm in this for the long haul

Ahh, ok so I assume that no legal action has commenced after all then, in response to your reply with the legal template that you sent a few weeks back now? Is that about the size of it...?

If so great! if not then give me an update please!

[Never-In-Doubt]

Re: onesteptoofar UE Diary

To be honest i'm not at all clued up on anything barring knowing that a default remains on your credit file for six years...

What harm would a CCJ / court action cause me? Is there another diary i could read where someone has followed a similar route?

I completely trust your judgement and will go with whatever route you advise. Obviously it would be nice to sort things quickly, but the cheaper the better i guess. I am prepared for the long haul...

My only assets are the shares, although i am currently living back at my mothers house...so avoiding anyone turning up at her house should be the priority! :grumble

What do you think?

Hiya

I cannot advise what to do here, you need to read and learn it i'm afraid - a CCJ is a legal (more formal) approach meaning they have judgment against you.

Can you take time out and actually give me a proper update so we can look at things for you - seems too long is passing between visits thus meaning I am lost and back at square one - my next question, shares? What shares...?

(See I told you - I deal with over 100 diaries, you need to stay in touch and give regular updates)....

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Hiya Niddy,

Great job with the new site. I'm still learning where the new font/quote buttons are located, so excuse me.

When you have chance could you have a look at my last two posts?

The only contact i've received in the last month has been a couple of letters from Apex in response to the letter...

---> viewtopic.php?p=2319#p2319

Apex have referred both the Lloyds A/c and Lloyds Credit Card to Lloyds.

All quiet otherwise.

Hiya, just sit tight if no contact.....

[onesteptoofar]

Re: onesteptoofar UE Diary

Hiya Niddy,

Great job with the new site. I'm still learning where the new font/quote buttons are located, so excuse me.

When you have chance could you have a look at my last two posts?

The only contact i've received in the last month has been a couple of letters from Apex in response to the letter...

---> viewtopic.php?p=2319#p2319

Apex have referred both the Lloyds A/c and Lloyds Credit Card to Lloyds.

All quiet otherwise.

[onesteptoofar]

Re: onesteptoofar UE Diary

To be honest i'm not at all clued up on anything barring knowing that a default remains on your credit file for six years...

What harm would a CCJ / court action cause me? Is there another diary i could read where someone has followed a similar route?

I completely trust your judgement and will go with whatever route you advise. Obviously it would be nice to sort things quickly, but the cheaper the better i guess. I am prepared for the long haul...

My only assets are the shares, although i am currently living back at my mothers house...so avoiding anyone turning up at her house should be the priority! :grumble

What do you think?

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Would a ccj / court action affect you in any manner? Basically, would you rather make an offer to settle? if so the time to do this is like fast approaching?

You tell me what you want to do - in any case you will have to pay either a percentage to settle or a monthly amount (if they go to court)....

[onesteptoofar]

Re: onesteptoofar UE Diary

Hi Niddy,

I am not a homeowner, but i do have my shares tucked away hh , and i now have a full time job. Not sure how this affects things?

I'll take things as far as you advise i can! I'm in this for the long haul

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Update: Lloyds Credit Card
Limit increased to 10k over the years - Taken July 05
Enforceable CCA - Niddy checked
Outstanding balance - 13500
Default - Nov 2009
Nothing paid since Sept 2009
DCA - Apex Credit Management

Hi Niddy,

HAPPY NEW YEAR!

Thankyou to all of your fantastic help over the last year and all my best wishes for 2011.

I have received a letter from HM Legal & Collections on behalf of Apex, "Notice Of Pending Legal Action".

Unless the client receives payment in full or a valid reason for non-payment of the account within the next 7 days, then court proceedings may be taken against you... " blah blah blah

Is there anything i can send in response to this, or just sit tight?

Hiya, Happy New Year!

Send this back: ---> viewtopic.php?p=2319#p2319

As this is enforceable, how far are you willing to go? If they issue papers (court) are you a homeowner?

[onesteptoofar]

Re: onesteptoofar UE Diary

Update: Lloyds Credit Card
Limit increased to 10k over the years - Taken July 05
Enforceable CCA - Niddy checked
Outstanding balance - 13500
Default - Nov 2009
Nothing paid since Sept 2009
DCA - Apex Credit Management

Hi Niddy,

HAPPY NEW YEAR!

Thankyou to all of your fantastic help over the last year and all my best wishes for 2011.

I have received a letter from HM Legal & Collections on behalf of Apex, "Notice Of Pending Legal Action".

Unless the client receives payment in full or a valid reason for non-payment of the account within the next 7 days, then court proceedings may be taken against you... " blah blah blah

Is there anything i can send in response to this, or just sit tight?

[Never-In-Doubt]

Re: onesteptoofar UE Diary

Letter received from Wescot "we were considering a door step collection visit to your home address to recover the outstanding balance....you have a final opportunity to avoid referral to a door step collection agent by telephoning..." blah blah blah

He would need a snow plough to reach me, there's nearly a foot of snow at my house

Send this: ---> viewtopic.php?p=182#p182

Snow Plough