Tastyjane's UE diary

[tastyjane]

Re: Tastyjane's UE diary

My gut feel is to ignore again..... Thought they would be getting heavy by now 😄

Jane x

[Never-In-Doubt]

Re: Tastyjane's UE diary

Well I didn't CCA them and got back from a break away to a letter dated 21/07 Saying I must contact them..... then they explain First Steps - getting in touch and arranging a payment plan however small, then the last paragraph tells me if I don't get in touch my credit file might be affected!

Very un threatening but do I risk ignoring till the next letter and closer to Feb 2015 or do I CCA now???? What do you think?

Jane x

I agree with the others' comments. Shhhhhh - keep hidden away for now

[nightwatch]

Re: Tastyjane's UE diary

letter sound's nonthreatening so I would go with the others and sit tight, xx

[tastyjane]

Re: Tastyjane's EU diary

This month's voucher has arrived..... £6678 to settle by the end of the month...... filed (again)

Jane x

Voucher received in July

06\08\14 - August's voucher arrived today - just need to find the £3596.37 ..........

Filed......

Jane x

[SA Gold]

Re: Tastyjane's EU diary

Voucher received in July

06\08\14 - August's voucher arrived today - just need to find the £3596.37 ..........

Filed......

Jane x

Each offer is getting better Jane, but of course its £0 we are looking at

[tastyjane]

Re: Tastyjane's UE diary

Well I didn't CCA them and got back from a break away to a letter dated 21/07 Saying I must contact them..... then they explain First Steps - getting in touch and arranging a payment plan however small, then the last paragraph tells me if I don't get in touch my credit file might be affected!

Very un threatening but do I risk ignoring till the next letter and closer to Feb 2015 or do I CCA now???? What do you think?

Jane x

03/09/14 Still haven't CCA'd Cabot Financial - they marked my file gone away for a couple of years but started writing again 6 months ago - I have ignored all contact. Anyway today I get a letter saying

"Your Next Steps"

We have tried to contact you on several occasions to discuss your debt.

As we have not heard from you, we are now going to refer your account to an external debt collection company.

Our preference is to talk to you to avoid doing this.

If you give us details of any income you receive together with your bills and other priority expenditure, then we will try to set up a repayment plan that suits your situation.

if we do not hear from you within the next seven days, then the next letter you receive will be from an external debt collection company."

Now I haven't CCA'd them yet and this goes SB in Feb 2015. Would you wait for the external debt collectors to contact me and then CCA them? The debt is for over £6000.

Jane x

[Grassy_K]

Re: Tastyjane's UE diary

Sounds like Marlin might be getting in touch...

[MrsD]

Re: Tastyjane's UE diary

I would wait Jane, things happen. things get lost, you've still got a lot of arguments even if you do make contact not so long to go

[Undercover Elsa]

Re: Tastyjane's UE diary

I agree. Hold fast Jane, don't shoot till you see the whites of their eyes

[tastyjane]

Re: Tastyjane's UE diary

Thanks everyone, I will just ignore again then..... time is ticking by not long now till this goes SB so I suspect they will get a bit heavy! With regards to SB status - with a couple of my cards I wrote and explained my circumstances in late 2008 and agreed to pay £5 a month - I did with one or two for a couple of months but with others I never actually paid the £5 - will my SB date go from the date I sent the letter as I acknowledged the debt then or from my last payment date? Just trying to work out when I will be out of the woods

Jane x

[cymruambyth]

Re: Tastyjane's UE diary

I believe it is from when you last acknowledge the debt.

[Undercover Elsa]

Re: Tastyjane's UE diary

Morning Jane

I suppose technically it would go from the date of the letter, but whether they could procure the letter, even if they knew about it, is another matter. They have enough problems finding agreements!
Date of last payment is pretty much set in stone and inarguable, so fingers crossed they'd take that as the date. (Unless it was a contractual payment prior to default, in which case it would be the day after the first missed payment).

How are you doing, are you OK hun?

Elsa xx

[The Tech Clerk]

Re: Tastyjane's UE diary

date of last acknowledgement/payment

[tastyjane]

Re: Tastyjane's UE diary

Thanks everyone, will spend some time over the weekend trying to workout just when I last wrote or paid something as I am pretty sure a couple will become SB in October fingers crossed

Elsa, I am great, very busy working and running around after George - he's just a sweetie but into lots of clubs - football on Tuesdays, Gym on Saturdays, Swimming on Mondays...... the list goes on Josh has bought a house in Castleford and moves in at the weekend, very proud of them - we are going up next weekend so that we can eat their food and drink their booze - its payback time Hannah is desperate to start a family! looks like I will be a grandma before too long ....... hope all is well with you and your family - how is your son? Hope his work are still being supportive?

Jane x

[Undercover Elsa]

Re: Tastyjane's UE diary

Hi Jayne
Just had to hunt down your thread as I couldn't remember seeing a reply. Must have slipped by me.
So glad to see Josh is doing well. George sounds brilliant, its so good for them to have active hobbies. So many children just seem aimless and bored around here.
Can't imagine you as a grandma!!
I'm OK thanks, but my son's not doing too well. He's on a type of chemo and has had to have more time off work because of side effects...and they've been less than sympathetic. Called him in to a meeting next week to discuss the situation. I think the phrase "exit strategy" was used.
His Union Rep is onto it, they haven't kept to their promise and she wants to try for a settlement. I've also suggested he ask about early ill health retirement via his local authority pension scheme which he's paid into for 6 years. It's difficult as we don't know if he'll be better once this new treatment kicks in, or whether this will just go on forever. He feels he'd be better self employed so he could work around it on the better days, and I'm tending to agree with him. A settlement would help with that.
Fingers crossed for the meeting next Monday. xxx
All very stressful for him for something that he can't help.