Help please!

[Getting Sorted]

Re: Help please!

It is great. I'm not gonna lie though, I'm very nervous.

[Pixie]

Re: Help please!

This is
Well done, good start

That's great

[Getting Sorted]

Re: Help please!

Oh thank you so much! Can I send a virtual kiss! You've all been so wonderful.

[nanna58]

Re: Help please!

Yay !!! xx

[Never-In-Doubt]

Re: Help please!

Yorkshire Bank

Type of Account - Loan
Date Commenced - 9th March 2005
Approx Balance - £20051.94 (although statements show it is £19942.94 - this was queried with them to which they said they would respond fully - that was April 2011)
Date last paid - 18th March 2011
Are you on an arrangement or not paying - not paying due to the query raised about the conflicting balance
Status - in arrears
Account owner - DLC

28.01.10 - offered a F & F settlement of £2833
03.02.10 - response back from DLC saying they will accept £5021.74 as full settlement (£2833 as a lump sum payment and then clearing the remaining £2188.74 over monthly installments
05.02.10 - letter back to DLC stating that he is waiting from his other creditors before he can state what he is able to do but also requesting CCA request and cheque sent off for £1.00
18.02.10 - letter back from Hillesden Securities saying they are waiting fro the original agreement and statements and will still report activity with CRA
25.02.10 - letter back to Hillesden/DLC's saying that other creditors are not taking this action
22.03.10 - letter form Hillesden saying they are still waiting for documents and will update in 21 days
21.04.10 - letter form Hillesden saying same as above.
21.04.10 - letter to Hillesden/DLC requesting CCA and that it has now been over 30 days and asking if they are in receipt of cca and statement of accounts
22..04.10 - letter from Hillesden quoting McGuffick V RBS etc
27.05.10 - letter from Hillesden saying they are still waiting for documents and will update in 21 days
05.07.10 - letter from Hillesden as above
12.07.10 - CCA, application form, PPI insurance documents and summary of transactions received.
26.07.10 - letter to Hillesden stating will make token payments until in a better position financially
27.07.10 - 30.12.10 letters from Hillesden saying they are still waiting for documents and will update in 21 days?
05.01.11 - letter from dlc saying they have enclosed requested docuements (CCA etc)
07.01.11 - letter to dlc saying already received this info twice and will be continuing with token payments until in a better financial position
25.01.11 - letter from dlc enclosing income and expenditure form. may result in further action.
28.01.11 - letter to dlc saying self employed and cannot provide wage slips.
21.01.11 - letter form Hillesden saying waiting for documents and will update in 21 days?
08.03.11 - letter from Hillesden enclosing CCA info again
08.03.11 - notice of sums in arrears
09.03.11 - annual statement of account
15.03.11 - letter to dlc querying the difference in balance and why there's is great at £20051.94 yet the balance is £19942.94. Also queried why the high PPI and why never received a letter of assignment. Requested SAR
28.04.11 - letter for hillesden enclosing data and "I have referred to the original lender in relation to your concerns concerning the balance. Upon receipt of their findings I will respond fully". Not heard anything in relation to that.
05.09.11 - notice of sums in arrears
09.03.12 - annual statement of accounts
02.03.12 - notice of sums in arrears
16.02.15 notice of sums in arrears
09.03.15 - annual statement of account
04.02.16 - letter from dlc saying written to you previously but not heard from you. identified account is eligible for a discount and would like to discuss with you. Will write off £10025.97 if you are able to pay the remaining £10025.97 as a lump sum. contact within 28 days to accept off or give proposals for clearing the balance.

Hope that is ok?

Thanks
x

This is

So in theory, right now I would not reply to DLC and literally, wait and see what happens but if they were stupid enough to issue a claim, they would have serious issues enforcing this agreement.

Well done, good start

[Never-In-Doubt]

Re: Help please!

Thanks so much. I'll do it now. I feel better just listening to reason. I can't help but feel a bit frightened.
x

Email received. Back later with answer

[Never-In-Doubt]

Re: Help please!

you did, but I'd already done it. The only PPI on mine is probably an old mortgage unrelated to my debts.

Which is deffo worth pursuing.

[JLC]

Re: Help please!

Most people love being spanked - they just don't realise it yet

Your input is welcome, but ppi reclaiming is a huge error - I said that on your thread I think too?

you did, but I'd already done it. The only PPI on mine is probably an old mortgage unrelated to my debts.

[Never-In-Doubt]

Re: Help please!

spanking me already! I'll just .

Most people love being spanked - they just don't realise it yet

Your input is welcome, but ppi reclaiming is a huge error - I said that on your thread I think too?

[Getting Sorted]

Re: Help please!

Thanks so much. I'll do it now. I feel better just listening to reason. I can't help but feel a bit frightened.
x

[JLC]

Re: Help please!

no no no. Worse thing you can do.

spanking me already! I'll just .

[Never-In-Doubt]

Re: Help please!

where do I go for that - uploading I mean - and yes, hubby is thinking of claiming the PPI. He didn't want to at first because he didn't feel it was right to! BTW you are not hassling !!!

Please scan the CCA / terms and either load into secure portal as linked above or email me direct (email in my signature below).

At this stage don't be making silly offers and most definitely don't request ppi. It's actually a big no-no here as it affects everything. There's quite strict criteria regards this so best to explain it as why notify a DCA that you might be in line for a payout? You wouldn't. So don't. Basically any ppi is always reclaimed at the very end when they either issue a claim or when your agreement is enforceable and we use it against the debt.

We use ppi as a bargaining tool

[cymruambyth]

Re: Help please!

Hi, try not to worry too much which is much easier to say than do, and don't do anything until the CCAs have been checked. Don't do anything with the PPI - if you claim when the debts are almost statute barred it will reset the clock, so wait until the 6 years have fully lapsed and then consider claiming.

Just remember we have all either fought or are fighting these battles with success. Don't do anything without checking on the forum and post any time of night or day with your worries or questions, you will get a non judgemental and sometimes humour provoking reply.

Good luck

[Never-In-Doubt]

Re: Help please!

You should also look at claiming PPI back and look on your old cards to see if you had any.

no no no. Worse thing you can do.

[The Tech Clerk]

Re: Help please!

Unenforceability Checking Service-Online Portal

read this area 1st, suggest you send CCA1974 to Niddy for checking, do not block any detail out as Niddy is the only one to see it and is registered he will report back on the issue of unenforceable or not to you?