Lilly1203 Diary

[lilly1203]

Re: Lilly1203 Diary

i joined today and need some advice. I was widowed in 2010, I have two teenage children to support and my husband cancelled the insurance on the mortgage and so I am also having to pay this on my own, I am only a teaching assistant and therefore do not earn very much, my wages basically just cover my mortgage, I am on benefits which helps. My main problem is the debts I have been left with, some are in my husbands name, some I admit are mine and others including a secured loan are in joint names however I don't remember signing this. I just need advice on the best way forward out of this mess as it is causing me stress at a time I could well do without it.

• Date commenced: July 2005
  
  
• Approx balance: £668
• 
  
• Date last paid: August 2010 full payment £1 month
  
  
• Are you on arrangement or not paying: £1 month, keep telephoning for more
  
  
• Status: Default
  
  
• Account owner: Next now Debt Managers
  

29.01.13 Sent CCA request to debt managers
28.02.13 received letter from Next with blank credit agreement and blank terms and conditons, they state they are unable to locate a copy of the signed credit agreement but the law does not require them to send me a signed one only a reconstituted one.
12/03/13 Sent missing prescribed terms template.
03.04.13 received letter stating " The law does not require us to send you a copy of a signed CCA only a reconstituted version of your CCA" they have sent an unsigned copy again.
17.04.13 Received a letter from D/Managers. This is headed "Notice of Proceedings".
03.05.13 Letter from Russel + Aitken, stating " We have received instructions to consider immediate court action.

07.05.13 Letter received from Debt Managers stating that Next have fulfilled their obligation under CCAct and the full amount is now payable.

Hi everyone, letter received from Russel + Aitken stating " As you have failed to comply with the repayment agreement between you and debt managers despite your acknowledgement of liability we have received instructions to consider immediate court action, you have a final opportunity to contact debt managers to avoid the action referred to. Should I respond to this with anything, I have sent Niddy unsigned CCA just to check it out,thanks Lilly's Dad

[Deepie]

Re: Lilly1203 Diary

Hi everyone, letter received from Russel + Aitken stating " As you have failed to comply with the repayment agreement between you and debt managers despite your acknowledgement of liability we have received instructions to consider immediate court action, you have a final opportunity to contact debt managers to avoid the action referred to. Should I respond to this with anything, thanks Lilly's Dad

If it were me I'd send this ---->Threat by Creditor - Threat-o-Gram Letter Before Action

[lilly1203]

Re: Lilly1203 Diary

i joined today and need some advice. I was widowed in 2010, I have two teenage children to support and my husband cancelled the insurance on the mortgage and so I am also having to pay this on my own, I am only a teaching assistant and therefore do not earn very much, my wages basically just cover my mortgage, I am on benefits which helps. My main problem is the debts I have been left with, some are in my husbands name, some I admit are mine and others including a secured loan are in joint names however I don't remember signing this. I just need advice on the best way forward out of this mess as it is causing me stress at a time I could well do without it.

• Date commenced: July 2005
  
  
• Approx balance: £668
• 
  
• Date last paid: August 2010 full payment £1 month
  
  
• Are you on arrangement or not paying: £1 month, keep telephoning for more
  
  
• Status: Default
  
  
• Account owner: Next now Debt Managers
  

29.01.13 Sent CCA request to debt managers
28.02.13 received letter from Next with blank credit agreement and blank terms and conditons, they state they are unable to locate a copy of the signed credit agreement but the law does not require them to send me a signed one only a reconstituted one.
12/03/13 Sent missing prescribed terms template.
03.04.13 received letter stating " The law does not require us to send you a copy of a signed CCA only a reconstituted version of your CCA" they have sent an unsigned copy again.
17.04.13 Received a letter from DManagers. This is headed "Notice of Proceedings".
03.05.13 Letter from Russel + Aitken, stating " We have received instructions to consider immediate court action.
03.05.13 Sent Niddy unsigned CCA just to check it out.
07.05.13 Letter received from Debt Managers stating that Next have fulfilled their obligation under CCAct and the full amount is now payable.

Hi, just received letter from Debt Managers as above. I will wait till Niddy has confirmed if CCA is UE or not. Cheers Lilly's Dad

[Never-In-Doubt]

Re: Lilly1203 Diary

Hi, just received letter from Debt Managers as above. I will wait till Niddy has confirmed if CCA is UE or not. Cheers Lilly's Dad

I emailed you (your dad) long before you posted this and told you it was

[lilly1203]

Re: Lilly1203 Diary

I emailed you (your dad) long before you posted this and told you it was

Many thanks Niddy, shall I send any template or just ignore, cheers Lilly's Dad

[Never-In-Doubt]

Re: Lilly1203 Diary

Many thanks Niddy, shall I send any template or just ignore, cheers Lilly's Dad

check your emails as I clarified it there!

Send this --> CCA Query - Missing Prescribed Terms - allaboutDEBT UK

[lilly1203]

Re: Lilly1203 Diary

check your emails as I clarified it there!

Send this --> CCA Query - Missing Prescribed Terms - allaboutDEBT UK

Many thanks, Lilly's dad

[lilly1203]

Re: Lilly1203 Diary

check your emails as I clarified it there!

Send this --> CCA Query - Missing Prescribed Terms - allaboutDEBT UK

Sorry Niddy, not received an email re this but will do what you suggest, many thanks Lilly's Dad

[Never-In-Doubt]

Re: Lilly1203 Diary

Sorry Niddy, not received an email re this but will do what you suggest, many thanks Lilly's Dad

Ooooer may still be in my outbox then lol. I will check later but the message is the same so it's all good

[lilly1203]

Re: Lilly1203 Diary

Hi everyone, just a quick one, although I have written to Lilly's creditors and given them the new forwarding address (My address)since LIllyhad the house reposesed they refuse to send any info to that address stating that without a signature they can not change any details, I have always signed the letters digitally as advised on this site. Any suggestions on this as they could now sent important paperwork (court stuff) to the old address and we may not get it, is the only way to get this done by paying the post office to redirect, any suggestions would be grateful received, thanks Lilly's dad

[fluffystuff]

Re: Lilly1203 Diary

Hi Lilly's dad,

Lilly could provide a signature, making it in some way different to her normal one. That way, you'll know if they 'lift' it on to a document.
However, paying for a re-direct may be the best way forward, in my opinion.

[Pixie]

Re: Lilly1203 Diary

She could always sign over the AAD anti-tamper strip



Just right click and copy then paste it into your letter.

[fluffystuff]

Re: Lilly1203 Diary

Ahhhh, didn't know we had one of those, thanks Pixie!

[lilly1203]

Re: Lilly1203 Diary

[QUOTE=lilly1203;231266]i joined today and need some advice. I was widowed in 2010, I have two teenage children to support and my husband cancelled the insurance on the mortgage and so I am also having to pay this on my own, I am only a teaching assistant and therefore do not earn very much, my wages basically just cover my mortgage, I am on benefits which helps. My main problem is the debts I have been left with, some are in my husbands name, some I admit are mine and others including a secured loan are in joint names however I don't remember signing this. I just need advice on the best way forward out of this mess as it is causing me stress at a time I could well do without it.

• Date commenced: July 2005
  
  
• Approx balance: £668
• 
  
• Date last paid: August 2010 full payment £1 month
  
  
• Are you on arrangement or not paying: £1 month, keep telephoning for more
  
  
• Status: Default
  
  
• Account owner: Next now Debt Managers
  

29.01.13 Sent CCA request to debt managers
28.02.13 received letter from Next with blank credit agreement and blank terms and conditons, they state they are unable to locate a copy of the signed credit agreement but the law does not require them to send me a signed one only a reconstituted one.
12/03/13 Sent missing prescribed terms template.
03.04.13 received letter stating " The law does not require us to send you a copy of a signed CCA only a reconstituted version of your CCA" they have sent an unsigned copy again.
17.04.13 Received a letter from DManagers. This is headed "Notice of Proceedings".
03.05.13 Letter from Russel + Aitken, stating " We have received instructions to consider immediate court action.
03.05.13 Sent Niddy unsigned CCA just to check it out.
07.05.13 Letter received from Debt Managers stating that Next have fulfilled their obligation under CCAct and the full amount is now payable.
13.05.13 Email from Niddy UE - Wonderful
13.05.13 sent MPT template.
23.05.13 Letter from Debt Mangers stating that Next have fulfilled their obligation under the CCA and I should contact re payment and complete I&E.

Hi Guys, another letter from Debt Mangers stating that Next have fulfilled their obligation re the CCA and I should contact to pay and complete the enclosed I&E form. Should I just ignore or send template, many thanks, cheers Lilly's Dad

[Never-In-Doubt]

Re: Lilly1203 Diary

Yes ignore and send template.