Roger UE Diary

[Roger]

Re: Roger UE Diary

Hi Roger, removing any identifying information can you post verbatim what the content of the above letter was please. This may not be a letter to ignore if 1st Credit are threatening with statutory demands.

Best
SnV

Have sent a scanned copy to Niddy!

[Deepie]

Re: Roger UE Diary

Have sent a scanned copy to Niddy!

Have you seen this thread ??? ----> http://forums.all-about-debt.co.uk/s...nkruptcy/page2

[Roger]

Re: Roger UE Diary

Have you seen this thread ??? ----> http://forums.all-about-debt.co.uk/s...nkruptcy/page2

Thank you Deepie
Niddy " leave it and let us know if they try issuing a claim"

[Roger]

Re: Roger UE Diary

Intelligent Finance (Halifax)
AUG 2016 HALIFAX "2016 Statement " Had these in the past will just file

[Roger]

Re: Roger UE Diary

British Airways AMEXCO
AUG 16 NCO ( 1 phone call)
AUG 16 Amexco "A Statement of Account 4 pages plus.. Your account has been cancelled and referred to a collection Agency" Just a repeat of Statement already sent this month!
Will ignore and send Missing P/T's when they become stroppy!

[Roger]

Re: Roger UE Diary

M&S
Type of account : Credit Card
Date commenced : April 2004
Approx balance : £11,000
Date last paid : February 2012
Are you on arrangement or not paying: Was on an arrangement
Status (default/in arrears/up-to-date) : Default
Account owner (who is writing to you, a DCA or the lender): DCA 1^st Credit

------------------------------------------------------------------------------------------------
MAY 16 Niddy see [10th April 2016, 12:10 #134] as he thought its UE "I'd send 1st Credit the missing PT's template in a couple weeks just to keep them at bay." Thanks Niddy!
MAY 16 missing P/T's letter sent Recorded Delivery
MAY 16 letter from 1st Credit "Your Letter has been passed to the appropriate department and they shall respond in due course"
JUN 16 letter from 1st Credit "We do not agree with your assertions that the documents provided do not contain all the necessary prescribed terms or are illegible and we will not respond further .. Your account .. only hold for 30 days to enable repayment proposals..you may receive further collection letters if no response is forthcoming" They enclosed I & E to be completed : and resent copies of s.78 (less curiously one page) plus various statements : This is their response to my missing P/T's letter sent MAY 2016
AUG 16 letter from 1st Credit "If we don't hear from you, we can't help.. Should no contact be made .. an escalation in collections activity may be considered.." They enclosed I & E to be completed
AUG 16 letter from 1st Credit "Bankruptcy proceedings are being considered .. We would prefer not to pursue this course of action and encourage you to engage with us .."

SEP 16 letter from 1st Credit "Repay just 90% of your debt... This offer remains open for 14 days.. If you are not able to take up this offer, other repayment plans are still available"
How about 0% or even less? Will just file

[Roger]

Re: Roger UE Diary

M&S
Type of account : Credit Card
Date commenced : April 2004
Approx balance : £11,000
Date last paid : February 2012
Are you on arrangement or not paying: Was on an arrangement
Status (default/in arrears/up-to-date) : Default
Account owner (who is writing to you, a DCA or the lender): DCA 1^st Credit

------------------------------------------------------------------------------------------------
MAY 16 Niddy see [10th April 2016, 12:10 #134] as he thought its UE "I'd send 1st Credit the missing PT's template in a couple weeks just to keep them at bay." Thanks Niddy!
MAY 16 missing P/T's letter sent Recorded Delivery
MAY 16 letter from 1st Credit "Your Letter has been passed to the appropriate department and they shall respond in due course"
JUN 16 letter from 1st Credit "We do not agree with your assertions that the documents provided do not contain all the necessary prescribed terms or are illegible and we will not respond further .. Your account .. only hold for 30 days to enable repayment proposals..you may receive further collection letters if no response is forthcoming" They enclosed I & E to be completed : and resent copies of s.78 (less curiously one page) plus various statements : This is their response to my missing P/T's letter sent MAY 2016
AUG 16 letter from 1st Credit "If we don't hear from you, we can't help.. Should no contact be made .. an escalation in collections activity may be considered.." They enclosed I & E to be completed
AUG 16 letter from 1st Credit "Bankruptcy proceedings are being considered .. We would prefer not to pursue this course of action and encourage you to engage with us .."
SEP 16 letter from 1st Credit "Repay just 90% of your debt... This offer remains open for 14 days.. If you are not able to take up this offer, other repayment plans are still available"

SEP16 letter from 1st Credit "Review for Bankruptcy proceedings ..we may soon pass your account to our internal legal depart for review.. which may ..result in Bankruptcy Proceedings being issued.. We would prefer not to pursue this course of action .."
Niddy has seen their letter [AUG 16 Threat of Bankruptcy] this was His response " leave it and let us know if they try issuing a claim"

[cymruambyth]

Re: Roger UE Diary

Fingers crossed for you

[nanna58]

Re: Roger UE Diary

Good luck xx

[Roger]

Re: Roger UE Diary

Fingers crossed for you

Good luck xx

Thank you for your kind words and shared Wisdom!
I sent Niddy a scanned copy of that first Bankruptcy threat Letter. His considered reply was "Don't worry, just leave it and let US know if they try issuing a claim."
There really is more to Life than Money. Seems I will be a Great Grandparent 2017!!

[cymruambyth]

Re: Roger UE Diary

That's great news, I look forward to the announcement of an easy pain free arrival

[IF]

Re: Roger UE Diary

I'm so pleased you're going to be a great grandparent too Roger, congratulations to you all

Best wishes
IF

[nightwatch]

Re: Roger UE Diary

congratulations on the upcomming promotion to Great grandparent, i hope all goes well xxxx

[nanna58]

Re: Roger UE Diary

Wonderful news x

[Pixie]

Re: Roger UE Diary

Wow! Great grandparent. Congratulations. Definitely more to life than money.