SA Gold's Diary

[SA Gold]

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!

[SA Gold]

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 !

[MrsD]

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

[SA Gold]

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!

[MrsD]

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?

[SA Gold]

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

[The Tech Clerk]

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???

[ken100464]

Re: Missy's Diary

If you do not make payment, we want to make you aware that Sainsburys Bank may take available funds from a current or savings account you hold with them.

Yours faithfully,

Blair, Oliver and Scum.

Ignore for now?

Hope this bit is irrelevant and covered by yourself already?

[MrsD]

Re: Missy's Diary

Blair Oliver and Scott are still BOS (geddit) who are Sainsburys. if this is the first you've received from them, I send the sold in dispute even although it's the 2nd desk up on the left from the last lot. keeps a nice papertrail.

[SA Gold]

Re: Missy's Diary

Update (not long from the first letter!) from Sainsbury's loan

Dear Missy,

Your repayment plan is still in arrears, despite our previous requests for payment.
You may must pay the arrears immediately. Payment can be made using the dedicated line below.
Failure to do so will result in your plan being cancelled and further action taken to recover the outstanding debt.
This may include:
* Referring your debt to one of our local door-to-door recovery agents to call and discuss payment of the debt.
* Court action to seek a judgement against you, if we are successful we could then seek an order allowing us to collect money directly from your employer, or if you are a homeowner applying to the court for a charging order over your property.

If you do not make payment, we want to make you aware that Sainsburys Bank may take available funds from a current or savings account you hold with them.

Yours faithfully,

Blair, Oliver and Scum.

Ignore for now?

[SA Gold]

Re: Missy's Diary

I would wait and see what they send next....

Will do chief, thanks!

[Never-In-Doubt]

Re: Missy's Diary

Update from Sainsburys loan
First correspondence since CCA received and DMP cancelled:

Should i ignore this, or send missing t&c's? Cheers

I would wait and see what they send next....

[SA Gold]

Re: Missy's Diary

Update from Sainsburys loan
First correspondence since CCA received and DMP cancelled:

Dear Missy.

Payment has not been received on your instalment plan and it is now in arreas.

A payment of (usual DMP amount) is required immediately to bring to your plan up to date. Please call us today to make payment or discuss your account with our customer representatives, who are available to help.
If you have recently made payment to a debt management company, please contact them to ensure payment is forwarded to Blair, Oliver and Scott Ltd.

If you do not make payment, we want to make you aware that Sainsburys Bank PLC may take any available funds from a current or savings that you hold with them.

We trust you will give this matter you immediate attention. Failure to do so will result in us taking further action to recover your debt.

If any of the details are incorrect please contact us so we can update your information accordingly.

Should i ignore this, or send missing t&c's? Cheers

[SA Gold]

Re: Missy's Diary

DMP cancelled. Payment normally due about now. Time to batten down the hatches!

[SA Gold]

Re: Missy's Diary

That's excellent news, thanks for checking them out!

I am wondering if they will be able to locate the documents on the other accounts...