925pws UE diary

[Undercover Elsa]

Re: 925pws UE diary

Hi 925pws,
So sorry to see you're having a rough time. I can only reiterate what others have said, we'll help you all we can on here. Just take it one step at a time, let us know whatever they send you and we'll guide you through it.

Fabulous song Diddly...I love this one too, and also very apt for our low moments when we can come on here day or night and there's always someone to offer a helping hand or a listening ear.
Sending Hugs xxx

[Sosad]

Re: 925pws UE diary

hiya 925pws

You started around the same time as me and the journey has had it's highs and lows ,had it not been for these wonderful people on this site I would have thrown the towel in ages ago. Don't give up it will get better .
So sorry for your loss and sending you big ((((hugs))))

Sosad xxx

[925pws]

Re: 925pws UE diary

Thank you all so much for your support. It can be lonely on this journey but you are all right in that the support offered on here is just overwhelming. It is greatly appreciated. I can't say how much I appreciate your comments. Thank you from the bottom of my heart

[alland]

Re: 925pws UE diary

925pws, You may not have realised it when you first joined AAD, but you adopted a whole new family.....

[nanna58]

Re: 925pws UE diary

lots of hugs from me too xxx

[Slickfm]

Re: 925pws UE diary

Touching show of support everyone, Well done. Our AAD family is sooooo strong

[patchouli]

Re: 925pws UE diary

I'm at the beginning of my UE journey and sometimes feel more than a little wobbly, I stopped my DMP in December and I can't believe how amazing this site is for support and help. I never dreamt I could do this but now I think I can with everyone behind me.

It sounds like life is hard at the moment, don't worry about DCA's and the likes, look after yourself and don't let the buggers grind you down, take care and look after number one.

Exactly what Jass said.. same here... I am up and down with the whole journey (currently really down) but I know these people will hold my hand and help me through.... Same with you ((( hug )))

[925pws]

Re: 925pws UE diary

MBNA

• Type of account: CC3
• Date commenced: 2010
• Approx balance: £8000
• Date last paid: May 2012
• Are you on arrangement or not paying: not paying from June
• Status up to date but reduced from 1st June
• Account owner: MBNA

06/06/12 cancelled DMP
06/06/12 requested CCA
23/06/12 received CCA
25/06/12 Niddy says
23/07/12 Sent MPT letter as blagging for now.
10/08/12 Received letter from MBNA stating they believe they have complied with CCA request and the agreement is in order as original was sent.
15/09/12 Letter received saying they have placed a hold on my credit card. Filed.
16/02/12 Received letter saying if I would like to make them a reasonable offer on the debt they will consider it. Filed
29/03/13 Received letter from Aktiv Kapital saying they are now dealing and to make payment.
07/02/14 latest letter received from MK Rapid Recoveries asking me to call them to make arrangements to pay the outstanding balance

I haven’t updated in a while as it has just been the usual letters but after the great support from those on here and feeling extremely low currently I thought it was time to start updating the diary again. Latest letter from MK in response to the Sold in Dispute letter and then ignoring others I’m assuming I just ignore this one?
Thank you all again for your support, it is greatly appreciated.

[Pixie]

Re: 925pws UE diary

As you're blagging it may be as well to send Final Response-UE (CCA received)

[925pws]

Re: 925pws UE diary

Many thanks for this. On the blagging issue, what happens when it comes to the end of blagging? How much do DCAs purchase debts for, at what point does one make an offer (assuming there would be money to make an offer!)? Sorry for all the questions, just finding it hard to think straight at the moment. Thank you

[Pixie]

Re: 925pws UE diary

Many thanks for this. On the blagging issue, what happens when it comes to the end of blagging? How much do DCAs purchase debts for, at what point does one make an offer (assuming there would be money to make an offer!)? Sorry for all the questions, just finding it hard to think straight at the moment. Thank you

Try not to worry about that just now...one step at a time I've been blagging some enforceable debts for almost 4 years...Just post whenever you receive anything.

DCAs purchase debts for pennies in the pound, though there's no hard and fast rule. Creditors usually get DCAs to act for them before they actually sell the debt...we send the Sold While in Dispute letter even though the debt hasn't actually been sold. I notice that you said that the latest letter from MK was in response to the SWID...but that isn't showing on your diary post. It's worthwhile updating your diary with every letter received/sent even if you don't actually make a new post...it gives us a fuller picture of what's happening.

You need to concentrate your energies on what's happening in your life rather than worrying about something that may or may not happen at some point....family's the most important thing

[925pws]

Re: 925pws UE diary

Update
MBNA

• Type of account: CC3
• Date commenced: 2010
• Approx balance: £8000
• Date last paid: May 2012
• Are you on arrangement or not paying: not paying from June
• Status up to date but reduced from 1st June
• Account owner: MBNA

06/06/12 cancelled DMP
06/06/12 requested CCA
23/06/12 received CCA
25/06/12 Niddy says
23/07/12 Sent MPT letter as blagging for now.
10/08/12 Received letter from MBNA stating they believe they have complied with CCA request and the agreement is in order as original was sent.
15/09/12 Letter received saying they have placed a hold on my credit card. Filed.
16/02/12 Received letter saying if I would like to make them a reasonable offer on the debt they will consider it. Filed
29/03/13 Received letter from Aktiv Kapital saying they are now dealing and to make payment.
07/02/14 latest letter received from MK Rapid Recoveries asking me to call them to make arrangements to pay the outstanding balance
20/02/14 Sent Final Response - UE letter

Thanks for all your support folks. Starting to feel a little better and gaining control again.

[925pws]

Re: 925pws UE diary

Update Halifax

• Type of account: CC 2
• Date commenced: 10 + years
• Approx balance: £12,000
• Date last paid May 2012
• Are you on arrangement or not paying: not paying from June
• Status up to date
• Account owner: Halifax

06/06/12 cancelled DMP
06/06/12 requested CCA
09/07/12 reconstituted CCA received and emailed to Niddy for comment
12/07/12 Niddy says
23/07/12 Sent MPT letter as well as Harassment Letter nicely rolled in to one
30/07/12 Letter received from Halifax stating you have not paid - no shit Sherlock!
20/08/12 Letter received from Halifax asking me to call to arrange payment - don't think so matey
25/08/12 Letter received asking for payment or they will call the house.
28/08/12 Sent doorstep visit letter as wasn't sure if they meant phone the house or call. In any case they have yet to respond to the harassment letter and MPT letter I sent. Think they are getting their knickers in a twist over these letters
15/09/12 DN received from Halifax. Filed.
09/12 Sent another harassment letter.
09/12 Received letter stating they are transferring this to a DCA. Filed for now.
29/09/12 Received letter from Halifax asking for my I&E and list of creditors to come to an arrangement for repaying. Filed.
06/10/12 Received a lovely letter from Albion DCA introducing themselves as now dealing with this account and asking me nicely IN BIG RED LETTERS to pay £12k.
08/10/12 Sent Sold in Dispute letter as suggested.
23/06/14 Debt now transferred to Wetcots.

I haven't been on in a while so not sure how to access template sold in dispute letter. Anyone help me?

[IF]

Re: 925pws UE diary

Hi 925pws, The templates have been moved to our main site now, look here -- > allaboutDEBT - New Website Live Now! and here for extra help -- > Accessing Our New Templates

Best wishes
IF

[925pws]

Re: 925pws UE diary

Update
MBNA

• Type of account: CC3
• Date commenced: 2010
• Approx balance: £8000
• Date last paid: May 2012
• Are you on arrangement or not paying: not paying from June
• Status up to date but reduced from 1st June
• Account owner: MBNA

06/06/12 cancelled DMP
06/06/12 requested CCA
23/06/12 received CCA
25/06/12 Niddy says
23/07/12 Sent MPT letter as blagging for now.
10/08/12 Received letter from MBNA stating they believe they have complied with CCA request and the agreement is in order as original was sent.
15/09/12 Letter received saying they have placed a hold on my credit card. Filed.
16/02/12 Received letter saying if I would like to make them a reasonable offer on the debt they will consider it. Filed
29/03/13 Received letter from Aktiv Kapital saying they are now dealing and to make payment.
07/02/14 latest letter received from MK Rapid Recoveries asking me to call them to make arrangements to pay the outstanding balance
20/02/14 Sent Final Response - UE letter
Feb-July Various letters saying dealing with request for CCA. Ignored.
07/07/14 Received letter enclosing CCA
08/07/14 Sent missing prescribed terms letter.

Will now sit and wait. Again thanks folks for the help, support and generally being there.