XX007 - UE Diary - Tomorrow never dies

[PlanB]

Re: XX007 - UE Diary - Tomorrow never dies

19 March receive a letter from Shoosmiths giving me 14 days to contact them by phone with a payment proposal before they issue court proceedings. They say they want me to reach a payment proposition so we can avoid court action.

I've not sent out the CCA request yet. should I still go ahead with it?

Should I email shoosmiths and ask them what an acceptable repayment amount would be, after all I did request that information in my letter of 17th February which Nationwide denied receiving despite referring to it in a separate letter.

Is there any point writing back to Nationwide and saying they did receive my letter of 17th February and why did they tell me the balance was only £3,800.

That letter from Shoosmiths sounds suspiciously like a Letter Before Action to me. Can you email a copy to planB@all-about-debt.co.uk so I can check the wording.

Send the CCA request to Nationwide with a copy to Shoosmiths immediately.

Don't be panicked into emailing Shoosmiths for a settlement figure yet. Don't be panicked into writing to Nationwide about the different balances either.

[XX007]

Re: XX007 - UE Diary - Tomorrow never dies

Type of account Creditcard - Nationwide
Date commenced October 2011
Approx balance £7,040
Date last paid April 2014
Are you on arrangement or not paying – I madean arrangement with them to pay £6 per month
Status default July 2014
Account owner Nationwide recoveries

July 2014 Agreed to my payment of £6 per month and defaulted me after I send income and earnings details.

Around early Feb 2015 they left a message for me to call them back and told me they intendedto take action getting a ccj and putting an order on my house unless I paidthem a lump sum of approx. 70% of my outstanding balance told them I couldn't do this.

February got a letter giving me 7 days to accept adiscount on outstanding balance without prejustice and to call them
17th February got a final notice giving me 14 days to get in touch and make an arrangementbefore court action starts
17th February send a letter asking if I can pay the offer in instalments but not had anyresponse yet
03rd March sent a letter as per Mrs D's advice complaining I am not being responded to and I'm being harassed
07 March receive a letter from Nationwide saying the account has been outsourced to Shoosmiths Solicitors at a balance of £3,800 which is way below the actual balance of approx. £7,050

New Entries

12 March receive another letter from Nationwide saying the management of the account will be carried out by shoosmiths sadly saying the balance is £7050 again
17 March receive a letter in response to the complaint saying they have done nothing wrong but interestingly saying they did not receive my letter of 17th February despite referring to it in their letter to me of 07 March
19 March receive a letter from Shoosmiths giving me 14 days to contact them by phone with a payment proposal before they issue court proceedings. They say they want me to reach a payment proposition so we can avoid court action.

I've not sent out the CCA request yet. should I still go ahead with it? (I'm not ignoring any advice, but I am fighting on a lot of fronts at the moment and not got round to it)

Should I email shoosmiths and ask them what an acceptable repayment amount would be, after all I did request that information in my letter of 17th February which Nationwide denied receiving despite referring to it in a separate letter.

Is there any point writing back to Nationwide and saying they did receive my letter of 17th February and why did they tell me the balance was only £3,800.

[CleverClogs (RIP)]

Re: XX007 - UE Diary - Tomorrow never dies

Yes1

Send in the s78 request because, although there might be less chance of such a recent agreement being found to miss prescribed terms. the request would tend to slow down Nationwide and/or Shoosmiths. Until they do comply with the request even by cobbling together some sort of reconstituted "twue copy" as per HHJ Waksman - s78(6) would apply, preventing them from getting any judgement in their favour.

No, I do not know why they have reduced the sum demanded by so much. A wild guess might be that they have decided to deduct various unfair charges from the debt, but that is just a very wild guess and no better than anyone else's guess.

[SXGuy]

Re: XX007 - UE Diary - Tomorrow never dies

Nationwide and send a copy to shoesmiths with a cover letter saying please find enclosed letter sent to your client.

[XX007]

Re: XX007 - UE Diary - Tomorrow never dies

No I've not had a chance yet. Do you think I should still send it to Nationwide? Any idea why they would reduce the balance?

[CleverClogs (RIP)]

Re: XX007 - UE Diary - Tomorrow never dies

Have you sent the CCA request yet?

[XX007]

Re: XX007 - UE Diary - Tomorrow never dies

Type of account Creditcard - Nationwide
Date commenced October 2011
Approx balance £7,040
Date last paid April 2014
Are you on arrangement or not paying – I madean arrangement with them to pay £6 per month
Status default July 2014
Account owner Nationwide recoveries

July 2014 Agreed to my payment of £6 per month and defaulted me after I send income and earnings details.

Around early Feb 2015 they left a message for me to call them back and told me they intendedto take action getting a ccj and putting an order on my house unless I paidthem a lump sum of approx. 70% of my outstanding balance told them I couldn't do this.

February got a letter giving me 7 days to accept adiscount on outstanding balance without prejustice and to call them
17th February got a final notice giving me 14 days to get in touch and make an arrangementbefore court action starts
17th February send a letter asking if I can pay the offer in instalments but not had anyresponse yet
03rd March sent a letter as per Mrs D's advice complaining I am not being responded to and I'm being harassed

New Entry

07 March receive a letter from Nationwide saying the account has been outsourced to Shoosmiths Solicitors at a balance of £3,800 which is way below the actual balance of approx. £7,050

This is not a response to my complaint letter as that only arrived on 05 March and this letter is dated 04 March.

Any idea what is going on?

[Never-In-Doubt]

Re: XX007 - UE Diary - Tomorrow never dies

It's about doing what you feel best mate. It's the best advice we'll ever give - only do what you feel is right. That way you're always in total control of whatever you do.

As planB says, you can edit the template so it literally just has the request with removal of all serious wording - it's fine. Whatever suits you but just remember they won't often respond to points in a cca - they just send the info or pass it to the creditor or return the request to you. They're pretty lazy tbh.

[XX007]

Re: XX007 - UE Diary - Tomorrow never dies

I think you're totally missing the point of UE and looking into it way too much.

Send a cca request. Edit to suit. Remove signature strip or leave it - they really won't care. They also won't care that you're on here. They don't care - period. So do what you need to do and don't worry about the creditor - they don't read half of what you send in anyway

Test it, sign your cca requests "Mr M Mouse" and see how many refuse......

Point is, YOU'RE factfinding. It's all about YOU and creating a paper trail for YOU.

OK fair enough I will get that done.

[Never-In-Doubt]

Re: XX007 - UE Diary - Tomorrow never dies

Remove/don't use the anti-tamper strip. And sign using a digital font.

Plan B x

Totally agree

[Never-In-Doubt]

Re: XX007 - UE Diary - Tomorrow never dies

I think you're totally missing the point of UE and looking into it way too much.

Send a cca request. Edit to suit. Remove signature strip or leave it - they really won't care. They also won't care that you're on here. They don't care - period. So do what you need to do and don't worry about the creditor - they don't read half of what you send in anyway

Test it, sign your cca requests "Mr M Mouse" and see how many refuse......

Point is, YOU'RE factfinding. It's all about YOU and creating a paper trail for YOU.

[XX007]

Re: XX007 - UE Diary - Tomorrow never dies

The anti-tamper strip won't actually prevent tampering, or make it impossible to copy your signature- it would just make their task a little more difficult.
It would still be possible to retouch the image, pixel by pixel if necessary, to remove the unwanted background from your signature.

There are many typefaces around that look like handwriting, so do not pick an obvious one such as Lucida Handwriting. I often recommend JohnLennon font (link) but there are others around that are just as much a scrawl. Use a larger point size than the text of the letter and, if the text of the letter is in black ink, 'sign' your name in dark blue.

Thanks for that I will get onto them this weekend.

Would people come to watch Hamster Taming?

[CleverClogs (RIP)]

Re: XX007 - UE Diary - Tomorrow never dies

I've just been having a look at the template. Do you think it's wise to leave the non tamper strip in.

Forget about the tamper strip, but sign using a font that looks similar to handwriting instead.

The idea is, you dont want them to lift your signature and place it on a reconstituted agreement, which they often do.

The anti-tamper strip won't actually prevent tampering, or make it impossible to copy your signature- it would just make their task a little more difficult.
It would still be possible to retouch the image, pixel by pixel if necessary, to remove the unwanted background from your signature.

There are many typefaces around that look like handwriting, so do not pick an obvious one such as Lucida Handwriting. I often recommend JohnLennon font (link) but there are others around that are just as much a scrawl. Use a larger point size than the text of the letter and, if the text of the letter is in black ink, 'sign' your name in dark blue.

[CleverClogs (RIP)]

Re: XX007 - UE Diary - Tomorrow never dies

At the moment I seem to be constantly thinking about changing everything.

But I believe I am doing the best job for me

So you've no desire to try lion taming?

and things are building for me (very slowly).

As would be the case with lion taming. One might suppose you'd start with a vicious hamster or two, then work your way up.

[PlanB]

Re: XX007 - UE Diary - Tomorrow never dies

I've just been having a look at the template. Do you think it's wise to leave the non tamper strip in.

I know it sounds like a silly question but might they will see that and think "them buggers again".

That's not a silly question at all. I get your point.

I said don't be confrontational so an anti-tamper strip may imply you're being accusatory in advance.

And if it's an anti-tamper strip with AAD's name all over it they could well think "them buggers again". While that's a flattering thought (to us) it's also one you could do without at this delicate stage.

Remove/don't use the anti-tamper strip. And sign using a digital font.

Plan B x