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  • #46
    Re: Missy's Diary

    Originally posted by Never-In-Doubt View Post
    yea see what they send next matey and bank it - why not
    Thanks for reply. Will do mate!
    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

    • #47
      Re: Missy's Diary

      Update: Letter from Bleeding, Orrible and Spot asking for contact within five days to avoid door step visit, or possible court action. Shall i send the missing p & t's letter with a copy of their last letter stating they would send it? Is it OK for me to edit the letter stating this?
      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

      • #48
        Re: Missy's Diary

        Originally posted by missy View Post
        Update: Letter from Bleeding, Orrible and Spot asking for contact within five days to avoid door step visit, or possible court action. Shall i send the missing p & t's letter with a copy of their last letter stating they would send it? Is it OK for me to edit the letter stating this?
        Is this the first contact from 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.

        Comment

        • #49
          Re: Missy's Diary

          Originally posted by in 2 deep View Post
          Is this the first contact from them ?
          Hey i2d,
          CCA request came back enforceable. Stopped paying dmp.
          Sent missing p&t's - letter saying they would send out etc although nothing.
          Now this has turned up.
          Thanks for coming back to me
          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

          • #50
            Re: Missy's Diary

            Originally posted by missy View Post
            Hey i2d,
            CCA request came back enforceable. Stopped paying dmp.
            Sent missing p&t's - letter saying they would send out etc although nothing.
            Now this has turned up.
            Thanks for coming back to me
            I would send this if it were me ---> Threat by Creditor - Threat-o-Gram Letter Before Action


            Along with---> Harassment & Threat of Doorstep-Visit
            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

            • #51
              Re: Missy's Diary

              Hey. Sorry for delay in replying. Will do. I take it's ok to merge the two letters?
              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

              • #52
                Re: Missy's Diary

                Originally posted by missy View Post
                Hey. Sorry for delay in replying. Will do. I take it's ok to merge the two letters?
                Cheers!
                Yes that's fine...........
                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

                • #53
                  Re: Missy's Diary

                  Originally posted by in 2 deep View Post
                  Yes that's fine...........
                  Perfect will do!
                  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

                  • #54
                    Re: Missy's Diary

                    Update here.
                    Blair, Oliver and Scott intend to proceed with court action on behalf of Sainsbury's bank. Not sure how far the Bleeding, horrible and spot desks are from Sainsburys loans but they obviously don't talk to one another. Despite me starting my last letter with "please note my new address" - they are still writing to the old one!

                    Re-cap -

                    Sainsbury's write to me in January and say they have let me down by not providing all the necessary paperwork and enclose £20 as compensation! They will forward everything although heard nothing.

                    This is an enforceable agreement.

                    Thanks for reading!
                    Last edited by SA Gold; 3 March 2013, 09:05.
                    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

                    • #55
                      Re: Missy's Diary

                      Is it a formal LBA

                      or just a stupid mailshot?

                      if it's the first I'd send

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

                      if they are just being dense a couple of lines referring them to Sainsbury's letter and your letter changing the address(enclose copies of both)

                      I'm nearly saying use the the big pink marker but if it's enforceable don't

                      Comment

                      • #56
                        Re: Missy's Diary

                        Thanks for coming back so quickly mrsd
                        Um I'd think its a mailshot based on the fact sainsburys replied with sorry last time.
                        Ill reply with a copy of their letter and stop writing to old address you arse holes (or something to that effect )
                        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

                        • #57
                          Re: Missy's Diary

                          good plan

                          they are obviously confused and bewildered (their default status)

                          Comment

                          • #58
                            Re: Missy's Diary

                            Originally posted by MrsD View Post
                            good plan

                            they are obviously confused and bewildered (their default status)
                            Long may the confusion last. Oh say another five and a half years
                            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

                            • #59
                              Re: Missy's Diary

                              Crap. Just got home to what seems to be everything from Sainsburys which Niddy already checked out as
                              Any idea what I should do next?
                              Last edited by SA Gold; 10 March 2013, 01:18.
                              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

                              • #60
                                Re: Missy's Diary

                                hi Missy

                                No 1 don't panic
                                No 2 what is everything, have they sent the CCA again?
                                is it EXACTLY the same as the other one, I mean absolutely the same?
                                No 3 if everything is something different, tell us what

                                now I'm getting me confused!

                                Comment

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