spent2much UE diary

[Spent2much]

Re: spent2much UE diary

If you go to the resources centre there are links to calculations that help with an i & e form.

thank you , i wouldn't need a calculator our income and outgoings are simple to calculate right now we have no spare cash for clothing or hair cuts like on some I&E forms , my hair is just long lol i never cut it, i cut hubby's hair . From this it should be easy but i don't know if there is any special way of setting out an I&E officially .

[Undercover Elsa]

Re: spent2much UE diary

Hi Hun,

One of the best ones around (until our site I&E calculator is online) is this one:

http://mymoney.nedcab.org.uk/moneyadvice/quickfs.asp

Include life's essentials (like hairdressing!) even if you can't afford it. The online software will guide you through and I believe it goes if you overstate anything

You can then print it out and creditors should take it into account as it's a recognised and approved format. You then have comeback if they refuse to take your circumstances into account.

Elsa x

[Spent2much]

Re: spent2much UE diary

Hi Hun,

One of the best ones around (until our site I&E calculator is online) is this one:

http://mymoney.nedcab.org.uk/moneyadvice/quickfs.asp

Include life's essentials (like hairdressing!) even if you can't afford it. The online software will guide you through and I believe it goes if you overstate anything

You can then print it out and creditors should take it into account as it's a recognised and approved format. You then have comeback if they refuse to take your circumstances into account.

Elsa x

thank you will look at this

[Spent2much]

Re: spent2much UE diary

Hi Hun,

One of the best ones around (until our site I&E calculator is online) is this one:

http://mymoney.nedcab.org.uk/moneyadvice/quickfs.asp

Include life's essentials (like hairdressing!) even if you can't afford it. The online software will guide you through and I believe it goes if you overstate anything

You can then print it out and creditors should take it into account as it's a recognised and approved format. You then have comeback if they refuse to take your circumstances into account.

Elsa x

It's really good that i just did the online I&E saved it to my pc for future reference .

[Undercover Elsa]

Re: spent2much UE diary

Well done

For your reference, here's the latest version of The Lending Code, which states how the banks should treat hardship cases...

Elsa x

[Spent2much]

Re: spent2much UE diary

update

24/11/2012

from HORWICH FARRELLY

Dear spent2much,

creditor LLOYDSTSB BANK overdraft

account number ******

We have been instructed by the above in relation to your outstanding debt.
Court action may be taken against you unless you take steps to resove the matter quckly. At this stage you can avoid court proceedings by taking the following action within the next 10 days.

Either :-
a) make full payment,or
b) Pay what you cn now and agree an affordable payment arrangement.

Your payment and any proposals should be made to our client's Robinson Way. You can telephone them on *************** or to seek help and advise.

Remember, Court action may increase the amount you owe, by the addition of court fees, cost and interest. Please see overleaf for payment options blah blah

update

[Spent2much]

Re: spent2much UE diary

Type of account (kays)
mine
Date commenced (2003)

Approx balance (£1,905)

Date last paid (22 June 2012)

Are you on arrangement or not paying (was on dmp now stopped paying)

Status (default/cca being sent )

Account owner (kays) now Littlewoods)
18/07/2012
recieved a cca back today , do i send the letter and the cca to niddy to look at ?



13/08/2012 sent missing PT's

24/9/2012 received a letter new condtion to the agreement.
26/10/2012 statement payment not received
24/11/2012 statement payment not received

update

[vint1954]

Re: spent2much UE diary

If this is your Lloyds CC, if it were me I would send this one

Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

[Spent2much]

Re: spent2much UE diary

Personally, I would ignore this and wait to see what they send next, for two reasons -

1) It is an extremely nasty and facetious letter. They seem to be trying to get you to send your defence to them before they have even issued a claim. Those four questions are irrelevant to the issue of unenforceability, and in any case they need to issue a claim before you have any responsibility to give admissions or denials.

2) Time is of the essence when you are trying to shepherd an account to statute-barred status, so I would just let the 28 days elapse and then counter their next attack.

If you did want to respond, I would suggest this -

Our Templates | Unenforceability Templates | CCA Query - Creditor Refusal to Accept UE Status

which would probably be the response I would give to their next threatogram whenever it arrives.

Does their letter really say



What have you been buying in Heaven, an angel for the Christmas tree?

SH

Just noticed this and yes it says higher purchase agreement i had to check the letter

[Spent2much]

Re: spent2much UE diary

Are they still in default of your CCA request?

If so, and they are making soft threats such as "may" do this and "may" do that, I would just send them this -

Our Templates | Unenforceability Templates | CCA Reminder - Unenforceability Threat

SH

I'm about to print out some templates as suggested , just need to ask if this template is the correct one as all these accounts are overdrafts with Halifax ?

thank you

[Spent2much]

Re: spent2much UE diary

haven't sent the templates yet not sure if it is the correct one for overdrafts , anyone know please .

[ScabHunter]

Re: spent2much UE diary

The CCA Reminder template won't be strictly accurate in this case, as it references ss. 77-79, which cover fixed loans, running account credit and hire purchase respectively.

I'm looking for the new overdraft CCA letter, so I'll know how it should be amended.

SH

[ScabHunter]

Re: spent2much UE diary

This is the thread which covers overdrafts -

Overdrafts - CCA Information - allaboutFORUMS

Was it the first letter on this thread that you sent off initially?

SH

[Spent2much]

Re: spent2much UE diary

This is the thread which covers overdrafts -

Overdrafts - CCA Information - allaboutFORUMS

Was it the first letter on this thread that you sent off initially?

SH

thank you , i sent all the halifax overdraft accounts cca requests 9/7/12 and none have ever responded , they sold all the accounts onto a dca 3/8/12 and now they are sending the ' we may do this , we may do that ' threats .

[ScabHunter]

Re: spent2much UE diary

thank you , i sent all the halifax overdraft accounts cca requests 9/7/12 and none have ever responded , they sold all the accounts onto a dca 3/8/12 and now they are sending the ' we may do this , we may do that ' threats .

Was it the standard ss. 77-79 CCA request you sent, or the specialist one for overdrafts in Niddy's post which I've linked to in post #648?

SH