Starting out

[ScabHunter]

Re: Starting out

Can I ask how long does it take to get "brave?" you always sound so assuredxxx

That's a bit like asking how long is a piece of string, because every individual is different. In my own case I was giving the Chief Executive of Crappy One a literary bashing and reporting them to the Fobbing Off Service long before I ever heard of a consumer help website. The only time these cretins would scare me is if we ended up on the same side.

Thanks for advice Jon And Nanna,I find it hard to chill ,BUT I will learn . I do detect that you pair are just as panicky as me ,but at least you have managed to keep your sense of humour xxxx

I never panic and I don't even have a sense of humour.

I find it hard to chill

In Scotland you should be chilled all the time. Mind you, it is not exactly roasting down here. I blame people who have holidays in the Southern Hemisphere who make the gods think it is natural to have winter in the middle months of the year.

Anyway, keep going Sos Ad, you're doing absolutely brilliantly.

SH

[Sosad]

Re: Starting out

Hi Pixie, I did panic I thought I was going to faint , came right on to the forum asking for help which was promptly given, I'm so grateful to everyone.Can I ask how long does it take to get "brave?" you always sound so assuredxxx

[Pixie]

Re: Starting out

I was panicky at the beginning but, believe me, it soon passes x

[Sosad]

Re: Starting out

Thanks for advice Jon And Nanna,I find it hard to chill ,BUT I will learn . I do detect that you pair are just as panicky as me ,but at least you have managed to keep your sense of humour xxxx

[jon1965]

Re: Starting out

Yeah chill i never panic just ask Nidxx

That makes two of us

[nanna58]

Re: Starting out

Yeah chill i never panic just ask Nidxx

[Sosad]

Re: Starting out

Aw thank you all for your support very much appreciated ,I think I did over panic as soon as I read the letter I said to myself " I need to go to AAD ""!!!I find it hard to chill but I did feel lots better after I posted yesterday, as you guys are quick with advice and support ,,once again thank you xx

[Never-In-Doubt]

Re: Starting out

moral here then, chill :niddy

[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

[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

[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

[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

[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

[Sosad]

Re: Starting out

Hi Niddy it's unenforceable xx

[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?