Adinuff's UE Diary

[Never-In-Doubt]

Re: Adinuff's UE Diary

Was it a joint account? If so then who was issued a claim, both parties or just you? Likewise, re assignment - was both parties (you & partner) told of assignment and is it lawful?

Ill see what Andrew says

[ATW]

Re: Adinuff's UE Diary

Have you approached the holder of the 1st charge to see whether they will lend the money for the extension. You will have judgment registered against you so this might be a non starter.

[PlanB]

Re: Adinuff's UE Diary

Really appreciate your help

I've sent a PM to Niddy since your F&F letter will not be a standard one because of your CO.

What is your timescale for negotiation?

If you're intending to extended your property then you may need planning consent which can take months to obtain (depending on the permitted development issue).

How long ago was the CCJ and has it fallen off your credit file? This matters because if you agree a F&F you may get the entry marked "part-settled" but if the CCJ was more than six years ago it'll have fallen off your CRA file anyway meaning a re-mortgage application is more likely to succeed.

Who is your current lender because they really would be the best option to approach for a further advance unless their interest rates are punitive which is why you want to remortgage away from them.

A lot of questions, but the homework is important.

[Never-In-Doubt]

Re: Adinuff's UE Diary

I've sent a PM to Niddy since your F&F letter will not be a standard one because of your CO. .

Thanks planB - I've asked Andrew to get in touch and you (Adinuff) should be hearing from him shortly.....

Good luck

[PlanB]

Re: Adinuff's UE Diary

Thanks planB - I've asked Andrew to get in touch and you (Adinuff) should be hearing from him shortly....

Adinuff check your PMs.

Andrew sent you one on 28th August but the last I heard he was still waiting for your reply

[Adinuff]

Re: Adinuff's UE Diary

HFC Marbles CC (wife)

Balance Approx - £2249

Default Date - Approx 2006

Default Amount - £2700

DMP (Payplan) - £6.53 Stopped Payment

Sold - Lewis Group

05/03/13 - Have Sent CCA and SAR request to HFC. Sent wrongly to HBOS before :-(

07/03/13 - Reduced payment to £1

25/04/13 - Received letter back from beneficial reference SAR request.Thank you for your recent letter in which you have requested information relating to the agreements you hold with us. we have assumed that your request for information is likely to be in relation PPI policies. We can confirm the account did not hold PPI charges. Returned £10 postal order :-)Still no reply to CCA request.

29/04/13 - CCA reminder request letter sent to Beneficial.

28/08/13 - Letter received from CL Finance. You have failed to make agreed payments towards concessionary arrangements on your account. Gonna ignore.

01/10/13 - letter received from Howard Cohen Solicitors stating that they have been instructed to issue a claim against wife at the county court in respect of the above debt. Should you fail to respond to this letter , a claim will be issued against you without further notice.

29/01/14 - We write to inform you by an agreement dated 13/12/13 , CL finance (part of Lewis Group) has assigned all of the rights, obligations and benefits assoicated with the above account to Hoist Portfolio Holding Lts to whom all monies are due. Please note Robbin Scum are now managing your account on behalf of HPH Ltd. please pay the. Gonna ignore.

15/02/13 - Letter from Robbin Scum. Your account has been passed to us by our client to act as a collection agent and well will be now be dealing with it. Please contact us in 7 days.

24/02/14 - letter from Robin Scum. Please contact us for a discussion regarding this debt. Gonna ignore

22/03/14 - Letter from Robinscum. Pllease contact us.

11/04/14 - Letter from Drydensfairfax. We have been instructed by our clients agent Robbin Scum. Please pay within 10 days or face further action.

05/06/14 - Letter from drydenfairfax. Unless we receive payment for full amount we will issue proceedings in county court with a view to a CCJ.

Hi Guys,
Have received County Court papers relating to this account dated 30 September. Little worried because this is first time in dealing creditors. Can someone please advise?

Adinuff

[Adinuff]

Re: Adinuff's UE Diary

Thanks planB - I've asked Andrew to get in touch and you (Adinuff) should be hearing from him shortly.....

Good luck

Hi Niddy,
Thanks for that. Will get in touch with Andrew. Dont seem to be recieving emails when people respond to messages. Got more pressing issue to deal with first

Adinuff

[Grassy_K]

Re: Adinuff's UE Diary

Looks like a shoo-in - they never complied with your CCA request did they?

[PlanB]

Re: Adinuff's UE Diary

Have received County Court papers relating to this account dated 30 September.

Well you're off to a good start if you sent a s.78 CCA request in March 2013 which it's still outstanding. .

Read this first http://forums.all-about-debt.co.uk/s...l=1#post423186

Can you just clarify that you've sent nothing to anyone since April 2013? Or have you replied to any of those six letters sent since January this year?

I'll flag this up for Andrew's attention so don't worry for now

[Adinuff]

Re: Adinuff's UE Diary

Well you're off to a good start if you sent a s.78 CCA request in March 2013 which it's still outstanding. .

Read this first http://forums.all-about-debt.co.uk/s...l=1#post423186

Can you just clarify that you've sent nothing to anyone since April 2013? Or have you replied to any of those six letters sent since January this year?

I'll flag this up for Andrew's attention so don't worry for now

Hi Plan B,
Not sent anything from the 29 April 2013. Not replied to any of letters since Jan either. Should i off sent a letter stating account in dispute?
Adinuff

[Adinuff]

Re: Adinuff's UE Diary

Looks like a shoo-in - they never complied with your CCA request did they?

Hi Grassy,
Yup no reply to CCA request and reminder.

Adinuff

[PlanB]

Re: Adinuff's UE Diary

Not sent anything from the 29 April 2013. Not replied to any of letters since Jan either. Should i off sent a letter stating account in dispute?

In an ideal world you should have told them it was in dispute since the new owner is not psychic.

No worries, you'll get your chance to tell them now

[Deepie]

Re: Adinuff's UE Diary

we see it too many times lately ....we shouldn't ignore everything and get to complacent...

I'm sure Andrew will see them off .......

[Undercover Elsa]

Re: Adinuff's UE Diary

Hi Adinuff,
Posts relevant to your claim copied to a new thread in Secure Legalese Section as you already have access:

http://forums.all-about-debt.co.uk/s...s%29-v-Adinuff

Elsa xx

[Adinuff]

Re: Adinuff's UE Diary

HSBC CC (wife)

Balance Approx - £4205

Default Date - Approx 2006

Default Amount - £5100

DMP (Payplan) - £12.21 Stopped Payment

Sold - Lewis group

06/03/13 - Recieved CCa and SAR for above account.Scanning now and will send to Niddy for analysis. first thoughts are it is enforceable

07/03/13 - Word back from Niddy. Seems like the CCA is enforceable :-(

07/01/13 - Reduced payment to £1

18/03/13 - Letter addressed to wife. "Response to a request pursuant to Section 77 of the consumer Credit Act 1974. we write to your letter dated 25/01/2013???. in normal circumstances the request you have made under section 77 off the CCA 1974 is not valid and HSBC has no obligation to provide the documents you seek. This is because the info relates to closed /repaid products that are no longer in force.
However we have assumed that your request for info is likely to bin relation to obtaining details of PPI that you held with HSBC...goes onto mention CC that they think i have held with PPI. return my £1 postal order for safekeeping.

02/07/13 - Letter From CL Finance. You have failed to make agreed payments towards the concessionary arrangement on account. We require payment in 10 days of the date of letter. Going to ignore.

07/02/14 - We write to inform you by an agreement dated 13/12/13 , CL finance (part of Lewis Group) has assigned all of the rights, obligations and benefits associated with the above account to Hoist Portfolio Holding Lts to whom all monies are due. Please note Robbin Scum are now managing your account on behalf of HPH Ltd. please pay the. Gonna ignore.

08/02/14 - Thank you for paying your account by instalments to a doorstep collector. As from 27/01/14, robin Scum will be managing your account on behalf of HPH Ltd (ex HSBC) However there will be no change to the arrangement that you have with your current doorstep collector. They will be advised that they need to direct all payments to Robbin Scum instead of Lewis Group. Ring us to discuss your account.

16/04/14 - Letter from Robbin Scum. Despite attempts to contact you, the above account remains unpaid. Gonna ignore.


[/QUOTE]

Hi Guys,,
Just going through my dairy and checking i have sent all the relevant paperwork off as i have had my first Court action on one of my accounts. i received my SAR and CCA request from HSBC for this account. Niddy confirmed it was Enforceable and just leave it be for mean while to see what they do. Im wondering if sending a missing P&T's letter was best option instead of leaving? If they do throw a court letter at me. Can we agree a settlement or arrangement in court without a CCJ being added?

Thanks

Adinuff

Please ignore as i have found missing T&C's letter. i just forgot to Enter in Dairy