Starting out

[Pixie]

Re: Starting out

Sosad

I've been blagging some enforceable debts for a couple of years. I think the dcas get confused by the letters

[Sosad]

Re: Starting out

Thanks for your support Pixie ,I have sent missing PT letter to them, hopefully that will confuse them for a wee while ,fingers crossed .


I have received a letter from Blair ,Oliver,&Scot, (sainsburys ,Niddy says unenforceable) they are saying
pay arrears immediately ,failure to do will result in 1)payment plan being cancelled,
2),refer debt to one of our door to door recovery agents,
3),court action to seek a judgement,if successful collect money from employer.
4) apply for a charging order over our property.

Also received letter stating the same as above, for the HBoS account, this account is enforceable,I have just posted missing prescribed terms to them today
What's my next step,? Any help gratefully received,!!!x

[jon1965]

Re: Starting out

I would just ignore for now. They can not get either a charging order or attachment of earnings without first getting a ccj and you not paying it, so don't worry there.

If you wanted you could send the doorstep letter
Harassment & Threat of Doorstep-Visit

But i would just ignore for now, others may have opionions which i am sure they will share

[Sosad]

Re: Starting out

Thanks for quick reply Jon ,I know this is probably a wee taster of what to expect ,I worry over the least wee thing thanks will ignore xx

[Never-In-Doubt]

Re: Starting out

Thank Scabhunter and Niddy for your input . I am going to "blag"this one as I am almost 98% sure I took this out in 2005 (for reasons I won't go into,too painful!!)

I understand that you have a date in mind based on an event in life however if you're telling me that the bank sent a recon and blatantly lied about the start date then that's a whole different ball-game so we really have to assume that the bank are correct in this instance.....

Niddy I most certainly will keep you updated ,I have great faith in you that is why I'm here, I followed you from another forum , (told you i felt i was stalking you!!!) I'll post a letter off to HBoS on Monday thanks xx

Excellent, you're more than welcome to hassle/stalk whatever us - that's why we're here.... Who were you on MSE then (PM if easier)...

[Never-In-Doubt]

Re: Starting out

I have received a letter from Blair ,Oliver,&Scot, (sainsburys ,Niddy says unenforceable) they are saying pay arrears immediately ,failure to do will result in 1)payment plan being cancelled,

I would simply ignore for the moment, see what they send next.

Blair Oliver Scott are HBOS (check initials - BOS / HBOS) in-house DCA and they are pussies. They don't commence legal action

[Sosad]

Re: Starting out

Hi, not been on for a wee while ,as all has been quiet, then today I receive a letter from Blair Oliver and Scott (sainsburys) stating they are giving me formal notice they are going to start court proceedings against me without delay, papers are now being prepared to commence action through local court to seek a judgement against me. Help!!!!!any replies will be gratefully received xxx

[Never-In-Doubt]

Re: Starting out

Hi, not been on for a wee while ,as all has been quiet, then today I receive a letter from Blair Oliver and Scott (sainsburys) stating they are giving me formal notice they are going to start court proceedings against me without delay, papers are now being prepared to commence action through local court to seek a judgement against me. Help!!!!!any replies will be gratefully received xxx

is this enforceable or UE?

[Sosad]

Re: Starting out

Hi Niddy it's unenforceable xx

[ScabHunter]

Re: Starting out

Hi, not been on for a wee while ,as all has been quiet, then today I receive a letter from Blair Oliver and Scott (sainsburys) stating they are giving me formal notice they are going to start court proceedings against me without delay, papers are now being prepared to commence action through local court to seek a judgement against me. Help!!!!!any replies will be gratefully received xxx

Firstly, read the post above yours for reassurance!

The Sainsbury's one is the one Niddy deemed to be UE, isn't it? In that case, I'd think you'd send the "Threat by creditor to start legal action" template, but wait for NID or I2D.

EDIT - Too slow, NID got there first.

SH

[Never-In-Doubt]

Re: Starting out

Hi Niddy it's unenforceable xx

then let them 'try' and take action -- send this back asap: ---> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

[Sosad]

Re: Starting out

Thanks Scabhunter and Niddy, I am panicking I know but everything was quiet then this ,I'm such a wimp when they start threatening me with courts etc i crumble!!!!I I will send the letter out to them as soon as possible. I knew if I came on here and asked for support I would receive it ,feel much better already ,thanks guys xx

[Numpty Monkey]

Re: Starting out

Most people "crumble" when they get letters like that,
Thats how the DCA's make their money, scaring people.

You've done good

[MrsD]

Re: Starting out

we've got a sainsbury's card, it's UE
it's been through around 5/6 DCAs and I think they all threatened court, Blair Oliver and Scott were ages ago, chill..................

sometime inbetween all thses DCAs, sainsbury's wrote admitting it was UE, eh we did tell you you numpties!!
so definitely chill

[Never-In-Doubt]

Re: Starting out

moral here then, chill :niddy