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  • #31
    Re: Missy's Diary

    Only if you have a current or savings account with them, I take it you Bank elsewhere not connected to Sainsburys or any other organisation that have direct dealings with them???
    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.

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    • #32
      Re: Missy's Diary

      Hiya,
      Thanks for replies (sorry for being slow to reply to you - moving at the moment).
      Soon as I defaulted Blair Oliver have dealt with the account.
      I don't have any hbos related accounts - I only use Lloyds now.
      Being that this is not the first reply from them; shall I still send account in dispute? Cca request received and was kosha :-(
      Thanks and merry Christmas
      When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


      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

      • #33
        Re: Missy's Diary

        mm Lloyds and HBOS are now connected, I don't think they have thought of going from account to account across the divide yet but never hurts to be careful............

        Did you send of the missing PRs as Niddy suggested and if you did, who did you send it to?

        Comment

        • #34
          Re: Missy's Diary

          Hiya,
          Do you think it may be an idea to "bank" with a building society because a lot of these banks are essentially the same group, although I think Halifax is hbos too!

          No haven't done missing p&t's yet. Shall I reply to bos with that? The other dilemma is my address has now changed.
          Cheers!
          When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


          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

          • #35
            Re: Missy's Diary

            the co-op is mostly free of attachments and they do a cashminder account for those of us with less than sparkly credit histories.

            so worth a look

            I would send off the missing PTs to Blair Oliver and Scott and see what they come back with.

            Up to you whhat you do about the address, as this one is enforceable, a wee bit care is required, so I would probably tell em I'd moved

            Comment

            • #36
              Re: Missy's Diary

              Hiya,
              Thanks for your reply.
              I will take a look at the co-op. it's a nightmare that all these banks are knitted together; I emptied my ING savings ready for the Barclays buy out
              I will write to bos with new address using missing p&t's.
              Cheers !
              When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


              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

              • #37
                Re: Missy's Diary

                hiya,
                Just a quickie; i am living with the mrs in her mortgaged house so what should i put for address details? Options are:

                Owner occupier (with mortgage)
                Owner occupier (no mortgage)
                Tenant furnished
                Tenant unfurnished
                With parents
                Other

                Happy new year peeps!
                When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                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

                • #38
                  Re: Missy's Diary

                  That question would need mortgage - homeowner.

                  Even though its the Mrs house etc you're still there and contributing so you would always declare it as homeowner - with mortgage. Even though its not in your name; that IS the correct residential statement in your case. I do the same as our hoose is in Poppy's name

                  Sainsburys is underwritten by HBOS which is part of LBG so you need to change banks at some point mate. No rush but bear in mind when they merge their banking licences they will apply RoSO across brands.
                  I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                  If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                  Comment

                  • #39
                    Re: Missy's Diary

                    Originally posted by Never-In-Doubt View Post
                    That question would need mortgage - homeowner.

                    Even though its the Mrs house etc you're still there and contributing so you would always declare it as homeowner - with mortgage. Even though its not in your name; that IS the correct residential statement in your case. I do the same as our hoose is in Poppy's name

                    Sainsburys is underwritten by HBOS which is part of LBG so you need to change banks at some point mate. No rush but bear in mind when they merge their banking licences they will apply RoSO across brands.
                    Mate, you are a diamond. Thanks for this, and all the help you've provided me and the forum members this year. You really are a diamond geezer!

                    Will do - i'll keep my eyes on the news feeds but guess sooner is better than later with these types of things!
                    When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                    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

                    • #40
                      Re: Missy's Diary

                      You'll be fine. No plans in 2013 to merge licences. I suspect they won't ever do it based on them breaking up again. I would wait and see but as things stand for them to apply RoSO they'd HAVE to first assign the debt to LBG and then they'd be able to apply it but to do so would mean notifying you of the assignment so you'd obviously stop any money going through your accounts
                      I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                      If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                      Comment

                      • #41
                        Re: Missy's Diary

                        Originally posted by Never-In-Doubt View Post
                        You'll be fine. No plans in 2013 to merge licences. I suspect they won't ever do it based on them breaking up again. I would wait and see but as things stand for them to apply RoSO they'd HAVE to first assign the debt to LBG and then they'd be able to apply it but to do so would mean notifying you of the assignment so you'd obviously stop any money going through your accounts
                        ah, a bit like the letter from ING warning, <cough> i mean telling me that Barclays were coming in Feb
                        Last edited by SA Gold; 31 December 2012, 12:45. Reason: cant remember smilies in text!
                        When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                        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

                        • #42
                          Re: Missy's Diary

                          Yea exactly mate
                          I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                          If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                          Comment

                          • #43
                            Re: Missy's Diary

                            Update from Sainsbury's bank, here. Well, well well
                            When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                            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

                            • #44
                              Re: Missy's Diary

                              Any pointers on this letter? Should i just ignore it and wait to see what litter they send next? Also, not sure if i should bank the £20?
                              When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                              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

                              • #45
                                Re: Missy's Diary

                                Originally posted by missy View Post
                                Any pointers on this letter? Should i just ignore it and wait to see what litter they send next? Also, not sure if i should bank the £20?
                                yea see what they send next matey and bank it - why not
                                I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                                If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                                Comment

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