the-puppets UE diary

[Pixie]

Re: the-predator-puppets UE diary

Yes, ignore.

[Never-In-Doubt]

Re: the-predator-puppets UE diary

[/COLOR]
We were blagging a bit with this one NId but seems they won't buy it ...ideas or wait til they force us to start payin ....seems we have 8 weeks to reply so 8 more weeks non paying right.?

but its after 07, so they dont need to? recon is fine?

Unfortunately yes, you ought to think about repayment proposals as s.127 does not apply

Failing that, if you've no chance of ever paying it and do not own your home, consider alternatives such as more formal things, i.e. an IVA may be better, BR may be better - I don't know but all I'm saying is that to repay £28k will take a few years

If more than 6 then surely BR or IVA is the obvious choice? I dunno, I'm just saying you do need to think long and hard over this before paying a penny back......

[the-puppets]

Re: the-predator-puppets UE diary

We tried going for IVA but no good as N Rock insisted if we went interest only mortgage the extra cash would mean we could continue to pay off debts. MInt Loan never cast their IVA vote so it was all down to N Rock! That's why we ended up here with you guys as although we went interest only the creditors kept adding interst and charges so the six years we could pay it all back in was looking more like 15 to 20 ! And now the interest only is up and were paying full mortgage again. Guess with this one we can do a deal with the collections agency at a better rate than if we were dealing direct with creditor. what's best way to start this ? Do we make an offer of payment as not got enough cash to do F and F yet.

TPP

[Never-In-Doubt]

Re: the-predator-puppets UE diary

Hiya

Regards to making an offer, there is a forumla of letters as found here (on our website) ---> allaboutDEBT | Our Templates | Creditor Offer Templates

You basically use that to work out F&F - however you're after monthly payments so you need to consider this collection here: ---> allaboutDEBT | Our Templates | General Debt Templates

However if necessary we can line you up with our dmp specialist who may be able to help you out more...?

[the-puppets]

Re: the-predator-puppets UE diary

All help welcome. Is it XXXXXXXX we need to get hold of. How do we make pro rata offer if some debts are ue and one we still have no cca for so could go either way. Do we base it only on the enf ones for now. Happy o take your lead, XXXXXXXX on how best to proceed. Cheers

[Never-In-Doubt]

Re: the-predator-puppets UE diary

All help welcome. Is it XXXXXXXX we need to get hold of. How do we make pro rata offer if some debts are ue and one we still have no cca for so could go either way. Do we base it only on the enf ones for now. Happy o take your lead, XXXXXXXX on how best to proceed. Cheers

No names on the forum please

I'll PM you

[the-puppets]

Re: the-predator-puppets UE diary



Thanks. And apologies x

[the-puppets]

Re: the-predator-puppets UE diary

MINT CARD (Other half's credit card)

TYPE OF ACCOUNT : CC
DATE COMMENCED: 03/04
APPROX BALANCE: £4000
DATE LAST PAID:May 2010 usual amount, tokens til Dec 2010, then DMP from Dec 2010 to June 2011 last paid
DMP OR NOT PAY: DMP Last DMP payment was June 2011 - cancelled it to explore the UE route
STATUS: Default 23/09/10
ACC OWNER: MINT (WESCOT 18/11/11)...NELSON GUEST SOLICITORS (09/03/12)


10th June 2011 CCA Request sent
11th July 2011 Received what looks like a signed application form, copies of terms and conditions, a credit card agreement with no signature box, copy of general conditions (leaflet), letter regarding replacement card , copy of latest statements emailed Niddy to check - Niddy declares it UE
13th July sent the CCA Query Missing Prescribed Terms Letter
20th July 2011 Received Mint card statement
21st July 2011 Received letter stating under S78 they are compliant if they provide a true copy......that there is no obligation for them to provide a copy of the original agreement bearing signatures....no reason to enter further correspondence with us..do not consider account to be in dispute ignoring
17th August 2011 Received Mint card statement still zero interest added
14th Sept 2011 FINAL DEMAND pay up in 14 days else pass to dca
15th Sept 2011 Statement still zero interest
18th Nov 2011 Received from WESCOT - RBS instructed them to take over balance on this account
27th Jan 2012 WESCOT ..FINAL NOTICE ..latest enquiries have now confirmed you are resident at address..unless contact within 10 days further collections activity will be taken ..may include legal action..door step collections visit
31st Jan 2012 sent the Sold in Dispute Letter cheers I2D
16th Feb 2012 WESCOT - have contacted MINT and have been advised they complied with request on 30/06/11 - WESCOT believe dispute to be resolved and full balance or agreed monthly instalments are required.....blah..14 days to contact them if we still believe valid dispute else will pass to recovery team.
09 March 2012 NELSON GUEST SOLICITORS on behalf of wet cloths!!..unless full payment or repayment plan in 10 days, further recovery action WILL be taken.

ignore ?

[Deepie]

Re: the-predator-puppets UE diary

ignore ?

Yes just ignore..........

[the-puppets]

Re: the-predator-puppets UE diary

MINT CARD (Other half's credit card)

TYPE OF ACCOUNT : CC
DATE COMMENCED: 03/04
APPROX BALANCE: £4000
DATE LAST PAID:May 2010 usual amount, tokens til Dec 2010, then DMP from Dec 2010 to June 2011 last paid
DMP OR NOT PAY: DMP Last DMP payment was June 2011 - cancelled it to explore the UE route
STATUS: Default 23/09/10
ACC OWNER: MINT (WESCOT 18/11/11)...NELSON GUEST SOLICITORS (09/03/12)


10th June 2011 CCA Request sent
11th July 2011 Received what looks like a signed application form, copies of terms and conditions, a credit card agreement with no signature box, copy of general conditions (leaflet), letter regarding replacement card , copy of latest statements emailed Niddy to check - Niddy declares it UE
13th July sent the CCA Query Missing Prescribed Terms Letter
20th July 2011 Received Mint card statement
21st July 2011 Received letter stating under S78 they are compliant if they provide a true copy......that there is no obligation for them to provide a copy of the original agreement bearing signatures....no reason to enter further correspondence with us..do not consider account to be in dispute ignoring
17th August 2011 Received Mint card statement still zero interest added
14th Sept 2011 FINAL DEMAND pay up in 14 days else pass to dca
15th Sept 2011 Statement still zero interest
18th Nov 2011 Received from WESCOT - RBS instructed them to take over balance on this account
27th Jan 2012 WESCOT ..FINAL NOTICE ..latest enquiries have now confirmed you are resident at address..unless contact within 10 days further collections activity will be taken ..may include legal action..door step collections visit
31st Jan 2012 sent the Sold in Dispute Letter cheers I2D
16th Feb 2012 WESCOT - have contacted MINT and have been advised they complied with request on 30/06/11 - WESCOT believe dispute to be resolved and full balance or agreed monthly installments are required.....blah..14 days to contact them if we still believe valid dispute else will pass to recovery team.
09 March 2012 NELSON GUEST SOLICITORS on behalf of wet cloths!!..unless full payment or repayment plan in 10 days, further recovery action WILL be taken.
19 March 2012 WESCOT Previously advised considering doorstep collection visit...instructions will now be provided to our agent to make an appointment with us to visit home address to agree how we will repay debt...to avoid please call IMMEDIATELY

updated - do we send the no doorstep visits letter or something else now to these?

[Deepie]

Re: the-predator-puppets UE diary

updated - do we send the no doorstep visits letter or something else now to these?

Send that or ignore up to you............

[Never-In-Doubt]

Re: the-predator-puppets UE diary

Send that or ignore up to you............

yep - agreed..... it won't matter either way to be honest.

I'd ignore myself, but that's just me

[the-puppets]

Re: the-predator-puppets UE diary

will ignore and enjoy dealing with them if they bother to call

[MrsD]

Re: the-predator-puppets UE diary

big scary dog live at your house?

[the-puppets]

Re: the-predator-puppets UE diary

Cheers folks,

Small westie-jack cross four month old but has nasty nip. Wet cloths and co have passed on to yet another..see next post