Jaci's UE Diary

[IF]

Re: Jaci's UE Diary

Hi, just checking if all is OK?

Best wishes
IF

[cymruambyth]

Re: Jaci's UE Diary

I thought if you had breached the terms of the overdraft that it turns into a credit agreement (very rough interpretation) http://forums.all-about-debt.co.uk/s...CA-Information

[jaci]

Re: Jaci's UE Diary

Sorry I can't help on this. I don't know if you could counter with a slightly higher amoun. I haven't seen the letter that you sent, but are there charges, is it enforceable? I only ask to see if there could be any leverage.
PM or email Niddy if you don't get a reply.

Hi there, thanks for replying, it's an overdraft, so enforcabilities out of the question here

[cymruambyth]

Re: Jaci's UE Diary

Sorry I can't help on this. I don't know if you could counter with a slightly higher amoun. I haven't seen the letter that you sent, but are there charges, is it enforceable? I only ask to see if there could be any leverage.
PM or email Niddy if you don't get a reply.

[jaci]

Re: Jaci's UE Diary

Ah... #*&%

Have this morning received a court claim form (again), This time it's for an overdraft which I was paying when I was on the DMP, But stopped and started ignoring once I started the UE road... (feel free to call me a wally, I've been calling myself worse!).

The total amount on the summons is £1443 (including court fee and solicitors costs), so what I'm hoping is if someone can point me in the right direction of a letter to make an offer of payment, if I can offer around 50% I can rob peter to pay paul if you see what I mean ...

I wasn't sure where to post this even, so if I'm in the wrong place can someone move me?

Thanks in advance and apologies for being a pest again...

Hi .. I sent these a F&F offer, the offer I sent was £577, which was 40%, they have replied with this...

'Please note that our clients have informed us that there is a seperate outstanding account with their collections department with a balance of £658. The sum of £517 will not be accepted in settlement of all matters.
We can however comfirm that our client is prepared to accept £1160 in full and final settlement of proceedings under action ******** which relate to account no ********...'

Letter goes on to say payment must be made before 12 noon on 09 July (only received this letter today, this letter is dated the 03 July) and that the other account, which niddy declared unenforceable back on page one of the diary will still be owing and i should contact them to discuss settlement of that account.

Any advice..?

[ATW]

Re: Jaci's UE Diary

If you are going to make them an offer head the letter "without prejudice" and make sure that you tell them that the offer is made in full and final settlement of their claim. Be specific about the amount and how it will be paid e.g. "I offer £700.00 to be paid as a lump sum in full and final settlement of the claim within 14 days of such settlement being approved by the court by way of a Tomlin Order". It needs to be recorded in a court order now that they have issued proceeding and a Tomlin Order is the best way to deal with this. We can check the wording of any order that they send you to make sure it is correct.

[Never-In-Doubt]

Re: Jaci's UE Diary

I've asked andrew to pop in. Sorry for the delay.

Use she the PM function and PM him if necessary.

[MrsD]

Re: Jaci's UE Diary

if Lowells haven't had a SWID, I'd get one off to them.

[jaci]

Re: Jaci's UE Diary

MY ACCOUNT


LLoyds TSB
Credit Card
Start Date 24-10-2001
Current Balance £1056.67
Status - In Arrears


Lloyds TSB Credit Card - Currently with Westcott Credit Services
06/06/2011 - CCA Request Sent
05/07/2011 - Received my letter back, complete with cheque (and even the envelope I sent it in!!) with a compliments slip attached saying 'cheque needs to be payable to Lloyds TSB - please re-write the cheque and return with your request. Ok to do this I assume?
13/07/2011 - Sending request back to them with cheque payable to Lloyds TSB
14/07/2011 - received letter fromSCM Solicitors asking me to pay full balance with 7 days to avoid court proceedings, call within 7 days to come to an 'amicable agreement'
16/07/2011 - Sent letter to SCM Solicitors saying account is in dispute, dealing with it
23/07/2011 - Received letter back from Wescot saying ' Instructions have been received from our client to withdraw the account and therefore, you should receive no further contact from Wescot in relation to this matter' also received back my £1 cheque.
In2deep says ignore
10/10/2011 - Received letter from Robinson Way Limited, 'Formal Demand for Payment'. Pay it all. Now. Or we might tell our client to take you to court - ignoring for now
11/11/2011 - Statement received - Ignoring
15/11/2011 - Letter from Robinson Way, 'Immediate Action Required .... Pay up now
17/11/2011 - Sent Account Sold whilst in Dispute
12/12/2011 - Letter from Robinson Way, 'We have noted your dispute/query ... we're making enquiries ...stopping collection activity for time being, shall wait and see what they come up with
04/01/12 - Letter from Robinson Way 'Thank you for your recent contact, please forward the relevant fee's to our client to enable them to respond to your request under the Consumer Credit Act. Account is held for 14 days to enable you to do this. After this time collection activity will resume on your account. Ignoring
01/03/2012 - Letter from Credit Security - ' We have been instructed by our client to recover the outstanding debt. Settlement is required within seven days. Contact us.' Ignoring for now.
17/03/2012 - Letter from Credit Security 'We DEMAND that the sum stated be sent IMMEDIATELY'. Ignoring for now.
19/04/2-12 - Letter from Credit Security 'Following our recent communication we are pleased to confirm that our client is prepared to accept the sum of £739.67' providing payment is received by 27th April.
06/09/12 - Letter from Lloyds TSB, 'Because we haven't been able to agree a suitable repayment plan we instructing Moorcroft to arrange collection of the debt, please contact them ...'
13/11/12 - Letter from Lloyds TSB Statement for account, Basically just telling me what I owe them.
21/06/14 - Letter from Lowell ... 'Debt still outstanding... please pay up or we might ....'

Updated

- - - Updated - - -

Has Nids come back to you about this one? or Andrew?

No ... Heard nothing yet...

[MrsD]

Re: Jaci's UE Diary

Has Nids come back to you about this one? or Andrew?

[jaci]

Re: Jaci's UE Diary

Ah... #*&%

Have this morning received a court claim form (again), This time it's for an overdraft which I was paying when I was on the DMP, But stopped and started ignoring once I started the UE road... (feel free to call me a wally, I've been calling myself worse!).

The total amount on the summons is £1443 (including court fee and solicitors costs), so what I'm hoping is if someone can point me in the right direction of a letter to make an offer of payment, if I can offer around 50% I can rob peter to pay paul if you see what I mean ...

I wasn't sure where to post this even, so if I'm in the wrong place can someone move me?

Thanks in advance and apologies for being a pest again...

Hi Guys ... I'm just wondering if can send a 'standard' offer of F&F payment letter for this, or if that's not possible now I've received court stuff?

[MrsD]

Re: Jaci's UE Diary

it's tough Jaci, but listen to Niddy and we'll try to get it sorted. You're posting in the exact right place, it's brave of you. Just reiterates for everyone that the head in the sand routine gets you no where. fighting the eejits is the only option.

[Never-In-Doubt]

Re: Jaci's UE Diary

Ah... #*&%

Have this morning received a court claim form (again), This time it's for an overdraft which I was paying when I was on the DMP, But stopped and started ignoring once I started the UE road... (feel free to call me a wally, I've been calling myself worse!).

The total amount on the summons is £1443 (including court fee and solicitors costs), so what I'm hoping is if someone can point me in the right direction of a letter to make an offer of payment, if I can offer around 50% I can rob peter to pay paul if you see what I mean ...

I wasn't sure where to post this even, so if I'm in the wrong place can someone move me?

Thanks in advance and apologies for being a pest again...

we'll help sort this shortly. I'll ask andrew to PM / email you.

[jaci]

Re: Jaci's UE Diary

Ah... #*&%

Have this morning received a court claim form (again), This time it's for an overdraft which I was paying when I was on the DMP, But stopped and started ignoring once I started the UE road... (feel free to call me a wally, I've been calling myself worse!).

The total amount on the summons is £1443 (including court fee and solicitors costs), so what I'm hoping is if someone can point me in the right direction of a letter to make an offer of payment, if I can offer around 50% I can rob peter to pay paul if you see what I mean ...

I wasn't sure where to post this even, so if I'm in the wrong place can someone move me?

Thanks in advance and apologies for being a pest again...

[jaci]

Re: Jaci's UE Diary

Thanks MrsD