Re: sebaab's diary
That's something that needs to be done asap. By recorded delivery with the £1 fee. Template is in the templates section. You may need to send an LBA to the solicitor that sent you the threatening letter.
when you update your thread, you should reply with quotes do the update shows up otherwise we have to go back to the first page to view it.
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Re: sebaab's diary
Firstly, apologies for my absence and not filling out my diary. I won't give excuses but will say that I have been out today and bought suspension files and have been through and recorded everything and now updated my diary to reflect this. I am committed to keeping it up to date from now on!
I have been surprised at the lack of post seeing as I haven't paid any creditors since September. I have been putting the money away though just in case. The debt that I do need advice on urgently please is debt 4 where they are talking about court action. Most of the entries have updates so do please look through the entries in red text and do please advise my next steps. When do I send a CCA request? Thank you so muchLeave a comment:
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Re: sebaab's diary
Of course, you're not going to take them up on their offer are you?
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Re: sebaab's diary
Updated M&S (debt 5) today with Update 4/12/16 Received letter from M&S Credit Card "we've been trying to contact you" and "We can give you a 40% reduction if you pay us a full and final settlement amount"
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Re: sebaab's diary
Update: My Gregory Pennington account is now "on hold". Result!
To anyone who wants to cancel their Gregory Pennington debt management plan - it's easy. Just cancel the DD and send an email to personalfinancemanager@gregorypennington.com saying you want them to cancel your DMP immediately and you don't wish to discuss it further. According to their T&C's if you miss 2 payments they will cancel your account. In reality, as soon as you cancel the DD they will continually try to phone you. I've blocked their number.
I will be contacting them shortly to ask for my paperwork. I've already requested a statement.
How do I feel? Over the moon! I have paid their fees for nearly 4 years (nearly £5k!!). I didn't think I had a choice. I knew it was steep but thought it was the cost of getting into debt and it was all my fault. In hindsight they have taken advantage of me and my ignorance about debt. Luckily I landed on one of your pages on this forum. Now I feel like I'm going in the right direction. Awesome.Last edited by sebaab; 13 October 2016, 05:41.Leave a comment:
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Re: sebaab's diary
Originally posted by nanna58 View PostShall I wear my boobtube ???????
Come on keep abreast of the matter!Leave a comment:
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Re: sebaab's diary
Welcome sebaab and congratulations on your first steps along your UE journey.
You've done the hardest part, in my opinion, by listing your debts and where things stand at the moment with each debt. In a funny sort of way it does feel empowering that you are taking back control.
I started my UE diary/journey 6 years ago, and believe me things to do get a lot better/easier quite quicky just follow all the great advice and instructions given here at AAD. I know it's easy for me to say that now, but believe me, they do. I too felt apprehensive and thought that my creitors would all have enforceable CCA, but soon found out they had very little.
Good luck with your fight/journey.Leave a comment:
good luck ,we're all with you x
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