Starting out

[Sosad]

Re: Starting out

Hi Nightwatch

thank you or your response .the letter stated I was to contact their office to discuss payment of outstanding balance.

[nightwatch]

Re: Starting out

I would hold fire for a while, Did the covering letter say anything about continuing to require payment?

[Sosad]

Re: Starting out

Hiya

Haven't been on for a wee while , hope everyone is well.
RE; Monument .

I posted Missing prescribed terms letter to L.C.R. in January they've now sent me a whole load of papers of transactions relating to this account .Should I send them another Missing prescribed terms letter ?

thank you nanna8 for your concern, its been a miserable start to the year , things are starting to feel a bit more"normal" whatever that Is lol

[nanna58]

Re: Starting out

How are things hun ?

[Sosad]

Re: Starting out

Thanks Elsa and MrsD for your support.

I don't know what I would have done without the support of this site and it's members .

Have a very Happy New Year and best wishes for the future .

Sosad xx

[MrsD]

Re: Starting out

agree Elsa, it's quite a crowded cupboard, full of AAD members

[Undercover Elsa]

Re: Starting out

Keep your chin up Sosad, you're doing fine
I have an £8K debt which has reached Statute Barred on the basis of 1 set of missing T&C's.
Sometimes I think they put you in a big cupboard marked "Too much hassle" and forget about you!

Elsa x

[Sosad]

Re: Starting out

Thanks MrsD your post was reassuring and kind.

I'll post letter off as soon as , and as you say they cant be totally confident in their paperwork ..

Sosad xx

[MrsD]

Re: Starting out

just be assured we won't abandon you

they had a good chance to take you to court with this, and they didn't so that says they are not too confident in their paperwork

and they seem to be missing a T&Cs which is often where these numpties fall down

get the letter off and stick with it, any hint of court we'll deal, but I would blag a wee bit longer

and don't worry

[Sosad]

Re: Starting out

hi and thanks to all of you for your input

SXGuy, Niddy deemed this account unenforceable at the start of my journey ,he later deemed it enforceable .not a problem just not so brave as I would have been had it been unenforceable { psychological } !!!!


I will send the MPTerms letter as you all think this is the way to go.


MrsD I keep panicking and think the answer to it all is to give in to these creditors .

I cant thank you all enough for the help and support you have given me ,much appreciated.

Sosad xx

[MrsD]

Re: Starting out

Hi MrsD

I've checked through the paperwork and they appear to be identical .Is this when I start to make them an offer of repayment ??

thank you
Sosad xx

not there yet Sosad

I would pop off the missing PTs and see what happens, we're dribbling on towards SB all the time here and they don't appear to be too confident in their paperwork so far, so putting another wee doubt in their minds is worth doing.

[nightwatch]

Re: Starting out

I would say, If it is the same stuff you have had before then send the MPT again as Mrs D suggested ,

all the best for a better New Year NW xx

[SXGuy]

Re: Starting out

So you received exactly the same stuff. Which Niddy deemed unenforceable, therefore send the missing PT's letter

[Sosad]

Re: Starting out

Hi MrsD

I've checked through the paperwork and they appear to be identical .Is this when I start to make them an offer of repayment ??

thank you
Sosad xx

[MrsD]

Re: Starting out

Yes only one set of t&c s ,I think the one they have sent me must be the up to date one, as this account was opened in 2001. Should I send MPT letter ??

Sorry about the multiple posts I'm rubbish with computers I couldn't even delete the posts!!!!!!

thank you
soadxx

ok is it the same stuff you previously received?
could you check really carefully please?

could you check the t&cs first, is it the same?