The Scarednshakins UE Diary

[nanna58]

Re: The Scarednshakins UE Diary

Yeah dungeon man ..... slopping thru the bowels...

[scarednshakin]

Re: The Scarednshakins UE Diary

what muppets they are, they must have a wee man in a dungeon somewhere thinking of all this tosh for a living..................

Muppets does not do them justice, they didn't even change the address to send the form back to, I know I have moments when I do stupid things but come on. Man in the dungeon should never be let out of there if that is the best he can come up with ;Spank ;Spank Then again bet he gets paid loads of pennies for this rubbish ;Hmm

[scarednshakin]

Re: The Scarednshakins UE Diary

Yeah dungeon man ..... slopping thru the bowels...

Loved that Nanna.......could put all the DCA's etc down there and leave them slopping about yuk

[scarednshakin]

Re: The Scarednshakins UE Diary

Thanks for all your support guys. Sad thing is that before finding Niddy's thread would probably have considered signing it ;F- so now older and trying to be wiser ;Red

[findingaway]

Re: The Scarednshakins UE Diary

Hi mrs sns ;Hi
I was just thinking the same, I'd have prob signed it too if I'd not been educated by NID & all the great diaries over the last couple of weeks! Well done you!!

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

Thanks for all your support guys. Sad thing is that before finding Niddy's thread would probably have considered signing it ;F- so now older and trying to be wiser ;Red

definitely wiser - although to be fair a few companies are selling their accounts to these types of firms and in some cases it can be good cos they offer a fixed rate of interest and/or 0% but you literally pay off the existing debt......

In your case, do not sign anything! Just ignore it ;LOL

[scarednshakin]

Re: The Scarednshakins UE Diary

I promise I won't sign anything 2 That is one of many lessons learnt since I started all this.

Only thing in the post today is a letter from Mint, basically a Final Response from them, have filed it. Noticed when I went to file it that the last letter from them about taking phone number off their records has someone else's account number on the letter, naughty ;Spank

Hope everyone is well today 2

[scarednshakin]

Re: The Scarednshakins UE Diary

;Hi1 Hi all, hope everyone is well.

Got a letter from Iqor today, it is for the BOS Preference Acc. This had been with Apex, but had not heard from them since August.

Iqor want the usual, immeidate payment or will send someone round, or they might start legal proceedings. Did notice on the letter that they say the debt is to Capital Bank not BOS not sure what that means ;Hmm

Will send out Account Sold while in Disupute letter to them and also incorporate Telephone Harrass letter, hope that is ok.

Hi Guys, ;-y

Letter this morning from Iqor, have put account on hold and have removed our telephone number, so will wait to here from them at some point.

One other letter today concerning Lloyds Account No 2 this is one of the online loans, they are still looking into the account and will get back to us. So nowt much to report, hope it stays that way

Hope you all have a great weekend 2

[scarednshakin]

Re: The Scarednshakins UE Diary

One other letter today concerning Lloyds Account No 2 this is one of the online loans, they are still looking into the account and will get back to us. So nowt much to report, hope it stays that way

Hope you all have a great weekend 2

Knew I would regret saying that, got 3 letters yesterday all in connection with this account.

First letter was from BLS informing us that we have to contact them today by telephone ;Hmm

Second letter is from LLoyds, this is one I have not had before. This is a Final Response but wish they all offered this. They are sorry for the time it has taken to investigate my complaints.

They have answered each complaint and accept part of my complaint.

'I have completed my investigation into your concerns. I am pleased to confirm that I am able to accept a part of your complaint, but there are aspects of your complaint with which I am unable to agree. The reasons for my decision and details of my proposed solution, to address the concerns I am able to deal with are set out below.

I am sorry you have not received a copy of your loan agreement. I will therefore accept this part of your complaint. I have made another request that this be provided urgently.

We do not generally suspend collections activities when we receive a complaint. If upon the the outcome of any dispute, we are required to unwind any of our activities, we will do so at that point. I am therefore unable to accept this part of your complaint.

I am sorry if you feel harassed by our phone calls, as they were not intended to make you feel this way. I will therefore accept this part of your compaint. Many of our customers prefer to be phoned, and if we are unable to get through first time, we will try again later. However, I accept your feelings on this matter and have removed your telephone numbers from our systems. You will still receive letters where appropriate.

In recognition of any inconvenience this matter may have caused you I have arranged for a cheque for £50.00 to be sent to you.' ;-y ;-y

Third letter is also from Lloyds which is a copy of the CCA, it is online loan, but having checking it over there is no box ticked.

I can send it to you Niddy if you need to see it. Still can't get over that they are sending cheque for £50 but will wait and see if it actually appears.

I know that these are not great as they can easily add a ticked box, but what they have sent out definately does not have a ticked box. Will wait and hear your thoughts. Cheers Niddy 2

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

Hiya

Result! £50 eh? Nice one...... can't be bad.

Right, ignore their letter and see what they do next, good thing is that they have formally agreed to remove your numbers and they are sending you a £50 cheque as way of saying sorry. However we both know an online agreement is 100% enforceable so you need to remember you are blagging this, the fact the copy they sent you doesn't have a tick box matters little, they will cut and paste one if necessary - trust me I have seen it done! So just continue to ignore and see what happens...

Yep, you'll get a cheque, it comes usually within 2-4 weeks so be patient, it will come though. I have seen a few but usually I ask for £100 - but you don't wanna go pissing them off do you? ;LOL

[scarednshakin]

Re: The Scarednshakins UE Diary

Cheers Niddy, I know the online ones are the worst so will wait and see what happens next. Well impressed with £50, first time had anything from a bank ;-y

[scarednshakin]

Re: The Scarednshakins UE Diary

Morning Niddy ;Hi knew Lloyds telling us we were getting £50 there would be more to come. Got letter from SCM this morning, we have 7 days to pay in full to avoid court proceedings. Do I send out threat of leagal proceedings letter, knew these online loans would be a pain ;EEK

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

Morning Niddy ;Hi knew Lloyds telling us we were getting £50 there would be more to come. Got letter from SCM this morning, we have 7 days to pay in full to avoid court proceedings. Do I send out threat of leagal proceedings letter, knew these online loans would be a pain ;EEK

Its not related, it's just the way things work. Send this to SCM ---> viewtopic.php?p=2318#p2318

[scarednshakin]

Re: The Scarednshakins UE Diary

Thank you Niddles, saw Nana called u that and thought it was great ;LOL ;LOL ;LOL

Another question for you ;Red At the start of last year, long before I found your thread we were given some money and got 4 cc's to agree to F&F settlements. I know this is probably a really stoopid question but can we reclaim late fees etc from these companies? Never thought about it but have been catching up on diaries and that gave me the idea.

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

Thank you Niddles, saw Nana called u that and thought it was great ;LOL ;LOL ;LOL

Another question for you ;Red At the start of last year, long before I found your thread we were given some money and got 4 cc's to agree to F&F settlements. I know this is probably a really stoopid question but can we reclaim late fees etc from these companies? Never thought about it but have been catching up on diaries and that gave me the idea.

Hiya, course you can - send a claim off for any PPI and/or charges..... nothing to lose. Just follow the guide on here and you'll do just fine. 2