Bluemonday 3 Unenforceability Diary

[Bluemonday3]

Thank you for your response, I will try to out this some kind of better order. I guess for now I will continue to make the ‘contractual payment’ (though I appreciate it does not exist) and sit tight. I will also stop calling them when the arrears letters arrive as they cause me so much stress, which I don’t have the head space for and the conversations are pretty pointless as they have no idea of the history here, hence defaulting me twice etc.
to be honest the FOS thought they had overcompensated for their incompetence!

[Timewilltell]

I haven’t read back through history for a while, but what I will say is this, there are many like you that have complained to the FOS and even with a strong case get no where, I personally have learned to not take this personally I accept that the whole financial system is corrupt so don’t expect them to understand or see in my favour. Why would they when they are funded by the very people that you are complaining about?
I would focus my attention on the situation in hand and see what it is that you can do about it and not what others can do for you.
I’ll take a look back through the thread and see if I have anything to suggest thereafter.

[Bluemonday3]

Thanks again, I will put this my BM diary.
I’m trying to keep hopeful but with FOS having no power I am at a loss.
to be honest I was also disappointed that they thought that BM had overcompensated me for my other complaint so I kind of feel they have no understanding of the distress this is causing, no time is great but at the moment I feel like everything is a struggle

[Roger]

I and many others with AAD have been in this debt trap spiral. So we do understand.
Now ".. JC advised complaint to FOS so I have done as advised. I am now assuming there is nowhere else to go with this. .."
DON'T ASSUME ANYTHING!

You have now complained to FOS, this is a positive action a starting point!
So you have acted! haven't you! Taken advice and Acted on this advice. Well Done to you!

Now lets not be negative or jump to conclusions.
One Step at a Time it will help you and AAD if you could create a Diary type entry so that each step is recorded!
YOU are taken control of this!

[Bluemonday3]

Apologies, I have edited this, thank you

[Night Monkey]

Post #216 might be worth revisiting, it appears that a real name is included.

[Bluemonday3]

Thanks Roger, believe me I don’t.. I appreciate everyone is in the same boat. I guess with everything going I’m weary of it all. The only thing that keeps me going with BM is that they appear to not have a clue about the history of this account and what they can do

[Roger]

After doing an email trawl, JC advised complaint to FOS so I have done as advised. I am now assuming there is nowhere else to go with this.
I have a small amount of savings which would cover the arrears and thinking if I pay this they will at least be off my back! I feel so trapped especially with the mortgage rates just rising and rising!

Keep your savings safe! Your priorities are yourself food, heating, clothing
You have AAD here for you!

Think what can they do?
Don't think you are the only one with precisely this problem at this time of rising prices and frozen earnings.

[Bluemonday3]

After doing an email trawl, JC advised complaint to FOS so I have done as advised. I am now assuming there is nowhere else to go with this.
I have a small amount of savings which would cover the arrears and thinking if I pay this they will at least be off my back! I feel so trapped especially with the mortgage rates just rising and rising!

[Bluemonday3]

Thank you

[The Tech Clerk]

See what JC come back with try to relax for now okay!

[Bluemonday3]

Apologies if I am being thick here.. I just wanted to update and seek advice as this way beyond me. I have forwarded the response from FOS to Joanna C just to see if there is anything else I can do. Without going into detail, my brain is frazzled with some personal tragedies and I have no head space left!

[Still Waving]

I give up!

[Bluemonday3]

What I don’t quite understand is if the ‘contractual payment’ no longer exists due to the CCJ /charging order and the FOS have no jurisdiction as these remove the CCA then why are they still sending me arrears letters as per the CCA?!!

[Still Waving]

No point now, focusing on the body which can't/won't help.

I repeat -

https://all-about-debt.co.uk/forum/d...35#post1543835

What was the outcome of this?