Starting out

[Never-In-Doubt]

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.

Really? Lots of errors, as such this is a defective DN....

1. They can only demand the arrears, the DN should show the arrears to remedy then a separate entry with the total balance as at default date
2. The dates - 25th June + 2 days to post + 14 days service to remedy period = 11th July. Not 9th = defective default notice.
3. No OFT factsheet

I wouldn't worry about this too much

[Sosad]

Re: Starting out

Thanks Niddy I wasn't too concerned about NDR Scabhunter more or less said the same as you,I'm just going to send moor croft the one liner as suggested,also I emailed you a letter I received today I know it's not an agreement but thought you could take a look at it and see what you think thank you x

[nanna58]

Re: Starting out

NDR dont take long to bugger off xxx

[Sosad]

Re: Starting out

Thanks Nanna, I appreciate your support ,it's good to know that NDR are easy to see off , oops I hope I didn't speak too soon!!!! The kind of luck I've got they'll probably send their heavy squad to my door!

Take care
Sosadxx

[nanna58]

Re: Starting out

Dont think so i sent them 1 letter never heard from them again anyhow they have no right to be at your door and if they did come (which is doubtful) close door or if you have to threaten to call the police as they are tresspassing.xxxxxxxxxxxxx
You could always get on your hands and knees in the hall and bark loudly

[The Tech Clerk]

Re: Starting out

Dont think so i sent them 1 letter never heard from them again anyhow they have no right to be at your door and if they did come (which is doubtful) close door or if you have to threaten to call the police as they are tresspassing.xxxxxxxxxxxxx
You could always get on your hands and knees in the hall and bark loudly

I had an obnotious person on the phone once- I pretended the lads were with me - stating hey lads fancy a trip to Scotland to sort a company out? the phone answer was "sir, we will not be contacting you again". = silence.

[Sosad]

Re: Starting out

Thanks Nanna and Gangshield, you both made me laugh Nanna I can just imagine my Hubbys face with me on the floor barking like a dog!!!! As for " getting the lads" it takes me to answer the phone these days but thanks for your wonderful funny tips ,loving the humour on this site
Take care
Sosad xx

[Sosad]

Re: Starting out

Hi,
I've received a letter from bank of Scotland stating " as we haven't been able to agree a suitable repayment plan we've transferred your account to apex credit management ltd.,contact them as soon as possible". In the same envelope there was a letter from apex stating they have received instructions from our client to act as intermediary between you and bank of scotland etc.
I had sent bank of Scotland the threat to commence litigation letter .
Now what do I do? Any suggestions will be much appreciated xx

[nightwatch]

Re: Starting out

Hi Sosad

I would wait and see what they send next. x
nw

[Deepie]

Re: Starting out

Hi,
I've received a letter from bank of Scotland stating " as we haven't been able to agree a suitable repayment plan we've transferred your account to apex credit management ltd.,contact them as soon as possible". In the same envelope there was a letter from apex stating they have received instructions from our client to act as intermediary between you and bank of scotland etc.
I had sent bank of Scotland the threat to commence litigation letter .
Now what do I do? Any suggestions will be much appreciated xx

If it were me I would wait untill Apex contact you again........

[Sosad]

Re: Starting out

Thanks Nightwatch and In 2 Deep really appreciate your swift replies, I will wait and see what they send next .
Take care xx

[Sosad]

Re: Starting out

[QUOTE=Sosad;182778]Bank of Scotland credit card) now dealing with Blair Oliver and Scott.
taken out 2002/4ish
Balance £3148

date last paid full payment 2009.

April 23rd cancelled dmp payment and requested cca.

May 8th received CCA from Blair Oliver& Scott will email to Niddy.

May 11th received letter from b.o &s requiring immediate payment
May 15th Niddy has deemed this CCA Unenforceable
May 16th received CCA from HBoS
May 17th emailed it to Niddy
May 25th Niddy has deemed this one enforceable ,never mind can't win them all !!
May 29th Received letter saying pay u
May29th Sent missing prescribed terms letter.
June13th Received letter from Blair ,Oliver &scott stating to contact them within five days ,threats are door
to door collectors and. Court action to seek a judgement against me
June 29th Received notice of intended court action from BOS stating papers are now being prepared for commencement of action through my local court to seek a judgement against me
July 3rd Sent threat to commence litigation letter
July 20th Received letter from bank of Scotland stating my account has been passed on to Apex Credit Management ,in same envelope Apex letter asking me to contact them to make arrangements to pay as soon as possible[/QUOTE





I have received letter from Apex stating they believe I'm avoiding paying debt owed ,and that they utilize external data to profile accounts and they know I have the ability to pay this account. They also say that my account will be passed to their internal litigation team in order to consider the best course of action for recovery of debt. This may include legal action to obtain a sheriff court decree which they may then seek to enforce by way of an inhibition or earnings arrestment application.

Now I know this debt is enforceable and I'm blagging it should I send them account sold whilst in dispute letter or has anyone got any other suggestions? Thank you
Sosad xx

[MrsD]

Re: Starting out

I would pop off a sold in dispute, just to confuse them, Apex are a bit dim.

[Sosad]

Re: Starting out

Thanks MrsD , I wasn't too sure what to send them they've been constantly phoning my home number and I was on the verge of sending them a telephone harassment letter ,as they kept telling my OH that I was ignoring them, so by sending the sold in dispute letter it will let them know that I'm not ignoring them (if that makes sense !!!)
Take care
Sosad xxx

[jon1965]

Re: Starting out

That phone number certainly worked for me with Arden, they now just write about once every two weeks.