SA Gold's Diary

[Deepie]

Re: Missy's Diary

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

Yes that's fine...........

[SA Gold]

Re: Missy's Diary

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

[Deepie]

Re: Missy's Diary

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

[SA Gold]

Re: Missy's Diary

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

[Deepie]

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?

Is this the first contact from them ?

[SA Gold]

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?

[SA Gold]

Re: Missy's Diary

yea see what they send next matey and bank it - why not

Thanks for reply. Will do mate!

[Never-In-Doubt]

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?

yea see what they send next matey and bank it - why not

[SA Gold]

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?

[SA Gold]

Re: Missy's Diary

Update from Sainsbury's bank, here. Well, well well

[Never-In-Doubt]

Re: Missy's Diary

Yea exactly mate

[SA Gold]

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

ah, a bit like the letter from ING warning, <cough> i mean telling me that Barclays were coming in Feb

[Never-In-Doubt]

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

[SA Gold]

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.

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!

[Never-In-Doubt]

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.