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Elsie52's UE Diary

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  • #316
    Re: Elsie52's UE Diary

    It is great to see Elsie is doing so well and that things are much quieter one for her. Well done for believing and taking the plunge!
    Indeed Pixie we are twins and nearing our 5th anniversary .....thank you to all the team and in particular HRH Niddy , as I too would have gone under without your help.

    Comment

    • #317
      Re: Elsie52's UE Diary

      Hi Elsie

      Another couple of months closer to SB! Fingers crossed for you

      Best
      SnV
      "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

      The consumer is that sleeping giant.!!


      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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      • #318
        Re: Elsie52's UE Diary

        Hi, from me, as well, Elsie!

        Hope things are going well for you.
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

        Comment

        • #319
          Re: Elsie52's UE Diary

          Hi lovely lady hope you and yours are well xx
          if you do it today and you like it you can always do it again tomorrow

          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

          Comment

          • #320
            Re: Elsie52's UE Diary

            Just a belated update, and a request for guidance please. Its almost 7 years since we sent out our CCA, 19th April 2010, so we should be statute barred but..........Cabot took over our account from Lloyds TSB and today I received a phone call from them totally out of the blue.!! Lloyds defaulted us on the 21st August 2010, and Cabot took over the account in April 2013, we last had a letter from Cabot January 2016, telling us we needed to contact them, yet again. I had previously written to them with the usual Account sold whilst in dispute leters etc, so I ignored them. Is there something else I should be sending to them to tell them to clear off.?? I thought we were home and dry, so totally shocked that they have reared their heads now. x Any help, advice on what to do next would be appreciated. They are going to be writing to me in the next couple of days, I didn't go through security so they didn't discuss the account with me.

            Comment

            • #321
              Re: Elsie52's UE Diary

              Hi Hun

              Hell what a shock , sure someone will be here soon .Hope you and yours are well. xxxxxx
              if you do it today and you like it you can always do it again tomorrow

              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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              • #322
                Re: Elsie52's UE Diary

                Let them write to you and let us know what they say, could be they are trying their luck xx
                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                • #323
                  Re: Elsie52's UE Diary

                  I'm fine thank you Nanna........family all okay, but live even further away from us due to work commitments etc. Could have done without this shock though, really thought that after all this time it was over with.!! Will see what the letter says when it arrives.!

                  Comment

                  • #324
                    Re: Elsie52's UE Diary

                    I should think it's knocked you for six.What if you drop Niddy a pm? xx
                    if you do it today and you like it you can always do it again tomorrow

                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                    • #325
                      Re: Elsie52's UE Diary

                      It could simply be that they need telling that its now SB, and they should mark the file "Lost cause" and leave you alone. I would guess that their system does not automatically flag an account as SB so they (and other DCA's) will carry on chasing until they are told they are too late Must have been a shock after so long, but probably nothing to worry about.
                      When you have nothing you have nothing to lose

                      Comment

                      • #326
                        Re: Elsie52's UE Diary

                        Hello Elsie x

                        This seems like it's definitely SB whichever way you look at it. Wait for their letter then either send the SB letter or just ignore.
                        Let your smile change the world but don't let the world change your smile

                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment

                        • #327
                          Re: Elsie52's UE Diary

                          As others have said, They are trying their luck

                          Although to be fair to them, They will have bought a large batch of accounts all at the same time so they will not have researched the history of the account etc ( Which I agree is completely wrong but that is how they operate)

                          If you are comfortably past the SB threshold then a simple letter should nip in in the bud but if it were me ( As long as the letters/calls are not bothering you) I would play for a little more time to be extra safe as the exact Cause of action/Default/SB argument is still not finalised and I would hate to have come this far to fall just short

                          By the sounds of things you are likely well into SB status so not as much of a worry
                          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                          Comment

                          • #328
                            Re: Elsie52's UE Diary

                            Thanks everyone. I will wait for their letter and see what they have to say. I am away from home from Sunday for a week, so that will delay things..........I won't be rushing to reply to them either. I will stall for as long as I can and if all else fails send the SB letter and see what happens then. Thanks again all. x

                            Comment

                            • #329
                              Re: Elsie52's UE Diary

                              Originally posted by Elsie52 View Post
                              Thanks everyone. I will wait for their letter and see what they have to say. I am away from home from Sunday for a week, so that will delay things..........I won't be rushing to reply to them either. I will stall for as long as I can and if all else fails send the SB letter and see what happens then. Thanks again all. x
                              Hi Elsie52 Final roll of the dice by the sharks (hoping for a bite) ha ha no Danger your silence will be golden. Take care

                              Comment

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