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Re: Starting out
not an expert but would xxx
not an expert but would xxx
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if you do it today and you like it you can always do it again tomorrow
I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username. -
Re: Starting out
Hi SoSadOriginally posted by Sosad View Post
, how have you been keeping? Hope you're managing ok on your journey.
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Re: Starting out
me too, they'll send what they think is a really scary letter, you haven't contacted them, they will send doorstep collectors, they'll take you to court, they'll send you off to a gulag, they'll sell your children and your Granny into slavery, and
it's all a load of rotComment
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Re: Starting out
Originally posted by evenlessdopey View Post
Wait and let them waste their illgotton gains on paper and postage, it will keep somebody in a job. See what they have to say for themselves, bet it is not an invite to you to attend one of their expenses paid party./I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: Starting out
Thank you all for your replies , it's good to come on here and get your support ,much appreciated.
Hi 925pws, I'm fine and managing my journey with the help of the kind people on this forum ,thanks for asking .Hope your journey is going smoothly take care xxComment
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Re: Starting out
Glad you're hanging in there SoSad, it does make our journey all the more easier with the neverending saga of those criminals we call bankers
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Re: Starting out
Letter received from Blair Oliver &scot re bank of Scotland (enforceable )
Formal notice is hereby given our client has instructed us to commence court proceedings ,papers are now being prepared for commencement of action through my local court ,if you are a homeowner etc etc etc !
Now I am tempted to ignore but would a threat -o-gram letter be more appropriate any input gratefully received thanks xxComment
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Re: Starting out
No don't ignore.........I Would send this if it was me------->Threat by Creditor - To Commence LitigationOriginally posted by Sosad View PostI'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: Starting out
Thanks for the swift reply In 2 Deep I am blagging this one , I will send the letter asap thank you xxLast edited by Sosad; 29 June 2012, 17:31.Comment
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I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: Starting out
Thanks Flowerpower ,I will send letter suggested by In 2 Deep ,at least I'll blag it for another week
Take care xxComment
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Re: Starting out
Hiya received letter from NDR regarding catalogue debt stating default notice I've to pay total sum before 9th July!!!if If i do not pay further action may be taken against me.
Also, ( I'm having a lovely Monday !!!!) Moorcroft have written to me regarding sainsburys account ,stating "to prevent a recommendation to our client to take further debt recovery action,it is essential to settle this debt without delay etc etc.
I'm looking for some suggestions from you lovely people, what letters if any should I send them . Thank youxxxComment
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Re: Starting out
NDR Just file that DN away along with the envelope it came in. Looks like they did not give you enough time on that.......when did you receive the DN ?Originally posted by Sosad View Post
Moorcroft I would send this if if were me-------? Account Sold whilst in DisputeI'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: Starting out
Does the NDR letter actually say “default notice” and mention Section 87 of the Consumer Credit Act 1974?Originally posted by Sosad View Post
If it does, then it is a proper default notice. Default notices need to give you 14 days in which to remedy the breach, and this one clearly does not. Keep that letter safe, along with the envelope it came in.
It is vital now not to alert NDR as to their mistake, because if you did they could then issue a compliant default notice and terminate the account on the back of that. You want them to terminate the account on the back of the defective notice you have just received.
These catalogue accounts are hardly ever enforceable, but having an erroneous default can only strengthen your case still further. I would definitely ignore them and let them shoot themselves in the foot.
Moroncrap are one of the loudest and most obnoxious DCAs, but also one of the most incompetent. If you are scared by DCA threat letters, you will be petrified by Moroncrap. On the other hand, if you can see them for what they are, they are actually one of the easier ones to handle.
I'll let I2D make a letter recommendation. EDIT - Already done! I2D way too fast for me again.
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