Jojo65 - Diary

[Undercover Elsa]

Re: Jojo65 - Diary

It's understandable, I've been there! Not any more though!
Are you thinking in terms of a low full and final offer, or an instalment agreement, Jojo?

[jojo65]

Re: Jojo65 - Diary

Good advice! Sorry bit of a panic attack! You know the story, I can't see the wood for the trees at the moment. x

[Undercover Elsa]

Re: Jojo65 - Diary

Hi Jojo, hold off till Niddy gets chance to answer, he's been a tad busy...I'll flag it up for his attention

[jojo65]

Re: Jojo65 - Diary

Now it has been confirmed and enforceable.

Any ideas on the letter that should be sent to first credit? Not sure FC are going to deal with me given the brush-offs that they have had.

Thanks

Jojo

[Undercover Elsa]

Re: Jojo65 - Diary

Hi JoJo,
Niddy has an excellent track record at dealing with 1st Credit. Don't worry....Wait till he comes back and see what he says.

Elsa x

[jojo65]

Re: Jojo65 - Diary

Citi, sadly is enforceable.

It was taken out April 2007 which didn't help matters but all the PT's are clear however there is no signature anywhere - can you clarify how you applied for the card? Phone/Web/Post

As a result you're going to struggle to hold off 1st Credit for much longer, therefore either consider an offer to settle and/or a monthly repayment. That said, if you have the notice of assignment/default notice and termination notice we may find fault within those...?

They may be in secure section, I'll check tonight cos I just unzipped something you loaded

Please clarify and sorry, not much doing with this one.

As I remember it was done by post.
I will look at the NOA

What is the best way to make an offer? The offer templates don't really deal with this circumstance as I have never paid 1st Credit. They only came thru with the CCA a couple of weeks ago and then went at some speed.

[Never-In-Doubt]

Re: Jojo65 - Diary

Citi, sadly is enforceable.

It was taken out April 2007 which didn't help matters but all the PT's are clear however there is no signature anywhere - can you clarify how you applied for the card? Phone/Web/Post

As a result you're going to struggle to hold off 1st Credit for much longer, therefore either consider an offer to settle and/or a monthly repayment. That said, if you have the notice of assignment/default notice and termination notice we may find fault within those...?

They may be in secure section, I'll check tonight cos I just unzipped something you loaded

Please clarify and sorry, not much doing with this one.

[jojo65]

Re: Jojo65 - Diary

HI JoJo65, whats happened with Halifax, give us some idea of what they are saying in their letter. Most things can be dealt with via the templates. I have had loads of letters and I just reply with one of Niddys letters and it sends them packing. It is still early days and I can remember the feeling I used to get but it will feel better soon and you will get some control back in your life. Can I suggest you put all your debts down in diary form (see other diaries) and then the guys on here will see what needs to be done. Hang in there mate it does get better, honest, regards Pezman

I have one going In the Diary at the mo, which I am being helped with. I have managed to call Haifux and put them off for 10 Days but I will upload as soon as possible which will be Friday as I teach teenagers on Monday and Thursday nights for a Charity. (Trying to put something in rather than taking out, as I did in the past.)
Thanks for your thoughts.

[Pixie]

Re: Jojo65 - Diary

Believe me JoJo, we've all been in similar positions.

Try not to worry and wait and see what Niddy says.

[pezman65]

Re: Jojo65 - Diary

God! This whole thing is a stomach churning nightmare. Now Halifax are playing their face. I can honestly say that I am now down to my last pair of shoes. Still I managed to lose 3st7lb in the last 3 years which allowed me to work backwards through my closet. There's always a silver lining I guess.

The bottom line is that I got myself into this shit, I just thank God that there are totally unselfish people on here to help and support me.

It's far more than I imagined.

HI JoJo65, whats happened with Halifax, give us some idea of what they are saying in their letter. Most things can be dealt with via the templates. I have had loads of letters and I just reply with one of Niddys letters and it sends them packing. It is still early days and I can remember the feeling I used to get but it will feel better soon and you will get some control back in your life. Can I suggest you put all your debts down in diary form (see other diaries) and then the guys on here will see what needs to be done. Hang in there mate it does get better, honest, regards Pezman

[jojo65]

Re: Jojo65 - Diary

God! This whole thing is a stomach churning nightmare. Now Halifax are playing their face. I can honestly say that I am now down to my last pair of shoes. Still I managed to lose 3st7lb in the last 3 years which allowed me to work backwards through my closet. There's always a silver lining I guess.

The bottom line is that I got myself into this shit, I just thank God that there are totally unselfish people on here to help and support me.

It's far more than I imagined.

[jojo65]

Re: Jojo65 - Diary

Well I think I have managed to upload the documents!

Thanks to everybody for the help and kind words, difficult times.

Cheers
Jojo

[jojo65]

Re: Jojo65 - Diary

Sounds to me like, you have visited getoutofdebtfree lol

From now on, please dont take any of their advice, and ignore EVERYTHING they have told you. bills of exchange act does not apply to credit cards, they are a waste of time, the site owner has no real knowledge and never gives a full explanation of how to help, i know, im an ex member until i saw sense.

For example, you need not sign any new CCA when a credit card is assigned to another company, its all legal. They do have a claim, because in law, they are probably assignees in absolute.

We can argue till the day is long about copywriting your name and billing them for using it, but thats a side issue, and not relevant here.

From now on, we are going to help you the correct way.

PS they will never send you an invoice for the outstanding debt, if they did, we would all be writing them off wouldnt we

Thank you very much! I rather think 'Wasted' rather than 'Visited'.

[SXGuy]

Re: Jojo65 - Diary

I asked them to provide, Verification of their claim to include:

Lawful Contract.
Hand Signed Invoice, in accordance with the Bills & Exchange Act (1882).
And proof of Agency.
Within 10 Days.

This was sent on 09/01/2011.

Sounds to me like, you have visited getoutofdebtfree lol

From now on, please dont take any of their advice, and ignore EVERYTHING they have told you. bills of exchange act does not apply to credit cards, they are a waste of time, the site owner has no real knowledge and never gives a full explanation of how to help, i know, im an ex member until i saw sense.

For example, you need not sign any new CCA when a credit card is assigned to another company, its all legal. They do have a claim, because in law, they are probably assignees in absolute.

We can argue till the day is long about copywriting your name and billing them for using it, but thats a side issue, and not relevant here.

From now on, we are going to help you the correct way.

PS they will never send you an invoice for the outstanding debt, if they did, we would all be writing them off wouldnt we

[Never-In-Doubt]

Re: Jojo65 - Diary

Thank you.
I am scanning the CCA Now.

Forgot to mention that they also enclosed one from Opus, but Citi just transferred the account to Opus, I did not sign any CCA with them. And I did not use the card even prior to writing to Citi explaining that I would need reduced payments. I have not used a card in years.

Hiya

Nov 2010 ALL Citi cards transferred to Opus. Now part of the rules allow for the creditor to create a reconstituted CCA which is possibly what Opus have provided.

If you can email me the main cca reply you got from 1st Credit upon assignment when you did a s.78 request so that would be the cover letter, the agreement and the terms. If you also have the NoA and the DN then brill..... Leave the Opus stuff to one side for now, all I need is the original Egg/Citi paperwork if possible.