Starting out

[Sosad]

Re: Starting out

Hi , I received letter back from sainsburys (I sent them the threat- o-gram letter,)they have replied by saying that they will not be entering into any other correspondence with me and to refer my concerns to the FOS .Any ideas or will I just ignore.?Help anyone !!!!xxx

[Sosad]

Re: Starting out

Capital One (credit card) now dealing with Capquest.

Start date 2000/02ish

Balance £3907.
Last full payment 2009.

April 12th cancelled dmp requested cca.
April 13th reply from capqest requiring signature.
April 23rd I replied with no signature required letter.
April 28th, Capquest returned my P.O. and advised me that they have
returned account to Capital One and all corrospondece should
be addressed to Capital One.
April 28th ,2nd letter, Capquest has sent my request to Capital One
also states "please note that a notice of assignment is not
[SIZE=2]applicable as account has not been sold to us"[/SIZ
[COLOR=red]Do I now need to send p.o. to Capital One and request cca from them?
May 9th Sent Capital One P.O. And letter requesting CCA
June 15th Emailed Capital One CCA agreement to Niddy
June19th Niddy deemed this CCA enforceable ,unfortunately will send off missing pt letter

June 20th Missing prescribed terms letter sent

[Sosad]

Re: Starting out

Hiya 925pws thanks for your good wishes , and may I return them back to you on your own journey, you at least are starting out positively and as you say, you have ."no illusions" so you are much braver than me but as my late dad used to say "you never know what's round the corner" so your journey might turn out better than you expect . Take care xxxx


Niddy i've emailed a CCA agreement to you ,please let me know if you received it thanks x

[925pws]

Re: Starting out

Hi and welcome 925pws good to hear from another new member ,I hope your journey goes smoothly the support given on this site is amazing ,also good to be able to "talk" about your problems without being judged .

Jon you can hijack my thread ( you sounded more down than me) so take all the hugs on offer!!Xxxxx



Niddy I've sent an email to you hopefully you'll get it ,thanks x

That's what is so amazing about this site, judgemental is left at the door. While it would be amazing if my journey went smoothly, I'm under no illusions at all. As every person is unique so every debt and how they deal with it is also unique but I am going in with my eyes wide open.

Yes, as the old ad used to say - it's good to talk .

I do hope your journey is a good one sosad and at the end you are not 'so sad' anymore

[Sosad]

Re: Starting out

Hi and welcome 925pws good to hear from another new member ,I hope your journey goes smoothly the support given on this site is amazing ,also good to be able to "talk" about your problems without being judged .

Jon you can hijack my thread ( you sounded more down than me) so take all the hugs on offer!!Xxxxx



Niddy I've sent an email to you hopefully you'll get it ,thanks x

[925pws]

Re: Starting out

Just thought I would pop in and say hello

I've spent many a day reading through everyone's diary. They (and you) are all so inspiring. I have just started on my journey. Since finding this site it has given me a new lease of life to stand up and not let the bullies grind you down be it creditors or in my case employers Believe in yourself and believe in this site.

Big hugs to you all

[jon1965]

Re: Starting out

I'm easy I am , I'll hug anyone

But this isn't my thread, it's Sosad who needs the hugs

[nanna58]

Re: Starting out

want to hug a granny Jon?

[Sosad]

Re: Starting out

Big HUGS Jon xxx

[Pixie]

Re: Starting out

(((hugs))) Jon xx

[jon1965]

Re: Starting out

Hi Sosad
I am just having a down day but that is not really to do with the debts. I had a really productive couple of days and I think it is just a bit of reaction to all that. Got some forms to fill in, but I want them done NOW and I have to wait for the post and until I get back to my laptop where some of the info is stored.
Thank you for your concern though

[Sosad]

Re: Starting out

Hi Jon,I don't know the ins and outs of your issues ,you just sound rather down today,and you DO return favours any time I've come on the forum your usually around to offer me support and I really appreciate that. I know what you mean when you say your brain feels like mush I've felt the same quite a few times .Xx

[jon1965]

Re: Starting out

Sosad
I am really not sure if going bankrupt would involve you losing your house, but do not take my word for it. There are people on here that would be able to tell you IF that would be a possibility.
Again I am not advocating BR , the only reason I am looking at it is because I have big debts , no assets and another huge issue that you may or may not know about.

However I am one of those people that want to know all the ins and outs, the what Ifs etc. As you may have seen if fries my brain at times (well I say brain , more like mush most of the time)

I rely on this motley crew so much that if I can return the favour in any way i will
Take care
Jon

[Sosad]

Re: Starting out

,Jon my finances are dire ,my hubby is s.e.and work is up and down ,When I was doing dmp I struggled to meet payments but felt I had to as the creditors were " so kind!! to accept my offers ,as I can see from reading this forum I was paying them too much and leaving myself struggling, sorry for that wee rant it's just that none of my family know what debt I'm in and it's good to " talk"to you people as you are so understanding,

Flowerpower I certainly won't rush into making offers ,as long as I know I can come on here and receive the support and knowledge of everyone on the forum I think I would be scared to write to my creditors and say "make me bankrupt" as I wouldn't want to lose my house 'but I can hear what your saying.

Thanks for taking time to reply to me xxx

[jon1965]

Re: Starting out

I hope I didn't give the impression that I was advocating that route, it was just an example of how the DCA's play the game and why stressing before there is something to stress about is a very bad idea (says me!)