Starting out

[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

[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

[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

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

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

[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

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

[jon1965]

Re: Starting out

Hi Sosad
I thin k what you need to remember is that even if it is UE (which Niddy says it is) they are still allowed to try and get th emoney off you until it is SB.
I have read two versions but basically they can go up to and (I think) including the issuing of court papers .
BUT they can not enforce, so if papers were issued a swift sod off I will defend this , you will lose and have to pay costs would get rid of them.

Basically do not worry but let Niddy or someone who is better at this than me put your mind at rest,

[Sosad]

Re: Starting out

Thanks Flowerpower I had already decided to ignore ,just needed a wee push !!!(of encouragement ) I like to know I'm doing things properly.


Thanks Jon I am trying not to worry ,I do understand that they will try and collect money ,if they get as far as court papers I will offer payments ,though much lower than I originally offered. Take care xx

[jon1965]

Re: Starting out

Sosad
It is still very early days for you.
If Niddy says it's UE then don't even think about "if they issue papers i will pay them"
Oh I understand how tempting it would be to pay them all a little just to shut them up , but that is what they are counting on.
I am sure that there are plenty of people who will hold your hand as you go through things and unlike other places the advice you will get will be good and sound. No one will cut you free at a critical moment

[Sosad]

Re: Starting out

Thanks Jon you are usually the first to offer advice and support .

I have great faith in the users of this forum ,just knowing that there are people giving their knowledge,time and experiences to people like myself is comfort enough I really do appreciate the help I've received .Take care xxx

[jon1965]

Re: Starting out

Funny how I've never experienced that kind of temptation!

No but stick a bunch of flowers under her nose and she will rob a granny to get the money

FP is right though about even paying £1 resets the SB clock

[Sosad]

Re: Starting out

Forgot about the SBrd thingy thanks for reminding me Flowerpower
Take care xxx

[Undercover Elsa]

Re: Starting out

No but stick a bunch of flowers under her nose and she will rob a granny to get the money

FP is right though about even paying £1 resets the SB clock

Which is why they're willing to accept such a pittance as it gives them an unlimited chance to extort the balance in any other way they can, as long as you live right until, and after you die. Bar stewards.

[Sosad]

Re: Starting out

Received letter from sainsburys stating they have passed sainsburys debt to moor croft debt collectors .Do I ignore and wait to see what moor croft send??thanks xxx