The Scarednshakins UE Diary

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

You have no idea how much better it is, can answer the phone (odd call but nothing much), the postie actually walks past the house some days ;-y . Can never thank you enough for all the help and advice Will go now before you get too big-headed 2

Hey, am glad to help...... as for my head, lol - don't you worry about that, my feet are firmly on the ground - all I do is try and advise people, its not like anything sooper-dooper like curing cancer is it lol.

:boobs1

[scarednshakin]

Re: The Scarednshakins UE Diary

Lloyds Platinum Credit Card £16,058.77 - defaulted. Lloyds Account No 1
Have received Final Response letter from them.

Hope everyone is well, only the one letter today, our letterbox has no idea what is going on, no post yesterday and only one letter today ;LOL ;LOL The letter was from Apex about above Lloyds account, so will send out account sold letter to them. Hope that is ok and speak to you soon 2

[scarednshakin]

Re: The Scarednshakins UE Diary

;Hi1 ;Hi1 Hi Niddy

Letter from Triton re Mint CC arrived today. Have sent both account sold letters to them, they have now sent out letter saying that they are disappointed to note that you have failed to make a payment or satisfactory repayment proposals, they will consider further action, it may be appropriate to request a debt recovery agent call on you. Then they ask to call them asap.

Do I send out doorstep letter? Is there anything else to send out to them?

Thank you, as always (see not panicking, )

Another super letter from Triton this morning. Notice of Legal Proceedings

'We refer to our previous correspondence concerning your outstanding obligations detailed above.

We remain very disappointed that you have failed to settle the debt or make satisfactory repayment proposals.

We have now recommended to the RBS plc that solicitors should be instructed to commence court proceedings against you for recovery of the debt, which would mean you would also be liable for court costs.

They go on to explain all the horrible things that would happen if it went to court and end the letter by saying that they would rather come to a satisfactory arrangement with me to settle this debt and therefore recommend that I contact the office.

What letter do I send out to them now Niddy? Thanks as always for your advice 2

[scarednshakin]

Re: The Scarednshakins UE Diary

[quote=Mrs Scarednshakin]

Lloyds Platinum Credit Card £16,058.77 - defaulted. Lloyds Account No 1
Have received Final Response letter from them.

Hope everyone is well, only the one letter today, our letterbox has no idea what is going on, no post yesterday and only one letter today ;LOL ;LOL The letter was from Apex about above Lloyds account, so will send out account sold letter to them. Hope that is ok and speak to you soon 2[/quote:2qv36x7z]

Also got another letter from Apex today, exactly the same as the one I got yesterday, they must be very bored at the moment ;LOL ;LOL , it was even dated the same day as well ;D

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

Another super letter from Triton this morning. Notice of Legal Proceedings

What letter do I send out to them now Niddy? Thanks as always for your advice 2

Respond with this asap: ---> viewtopic.php?p=2318#p2318

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

Also got another letter from Apex today, exactly the same as the one I got yesterday, they must be very bored at the moment ;LOL ;LOL , it was even dated the same day as well ;D

as above - send this asap: ---> viewtopic.php?p=2318#p2318

[scarednshakin]

Re: The Scarednshakins UE Diary

Cheers Niddy, letters sent out today, will wait and see what we get back. Thanks for your help, much appreciated ;Thum

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

Cheers Niddy, letters sent out today, will wait and see what we get back. Thanks for your help, much appreciated ;Thum

;Hi ;Hi ;Hi

[scarednshakin]

Re: The Scarednshakins UE Diary

b]Lloyds Online Loan[/b] £6,105.43 - defaulted. Lloyds Account No 5
Received letter from them this week, they do not agree with my concers and this is a Final Response. Have not sent anything back.

Hi Niddy, doing well for legal letters at the moment. Received letter from Moorcroft this morning. This is the first time I have heard from anyone except LLoyds about this account.

The letter says ' It is a legal requirement to send a notice of intended litigation before legal proceedings in the County Court are issued. We believe that this letter fulfils this requirement even if it is not actually read by you.

To prevent our recommending to our client that solicitors commence legal proceedings it is essential that you settle this debt without delay. Payment should be submitted within 7 days or contact made with this office immediately, by telephone on 0161 475 2878 or by letter, with your payment offer. Both our client and we do not wish to take this action but if agreement cannot be reached by 07/10/10, a claim may be issued by our client's solicitors without further notice.

We would draw to your attention that if Judgement and an order for repayment in full is obtained and remains unpaid, a range of court enforcement options are available and may be considered.


We would emphasise that should Judgement be entered against you this may affect any future credit application you may make elsewhere. We would also draw your attention that all legal costs incurred are usually payable by the debtor.

Please contact us today as we will be happy to discuss a repayment programme that you can afford and maintain. All payment must be made payable to Moorcroft Debt Recovery Ltd and forwarded with this letter to the above address.'

Do I send out threat of legal proceedings letter? Thanks as always

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

Do I send out threat of legal proceedings letter? Thanks as always

Respond with this ---> viewtopic.php?p=2319#p2319

[scarednshakin]

Re: The Scarednshakins UE Diary

Cheers Niddy, will get this posted out today. Thank u, thank u thank u k

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

No problemo - hope you're both doing alright....? Say hi to the part timer for me, seems he's left you here to deal with "the good jobs" - typical bloke LOL y y

[scarednshakin]

Re: The Scarednshakins UE Diary

I will let the 'part-timer' know you were asking for him ;LOL ;LOL He has decided that I am doing a good job n then he can spend more time watching footie (thinks I don't know his plan).

Yep we are both fine, working hard and unfortunately pretty sober at the mo. Going away for a few days next week so that will be good, venturing over the border, think we will be allowed in ;Hmm

Speak to you soon and hope family are all well k

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

I will let the 'part-timer' know you were asking for him ;LOL ;LOL He has decided that I am doing a good job n then he can spend more time watching footie (thinks I don't know his plan).

Yep we are both fine, working hard and unfortunately pretty sober at the mo. Going away for a few days next week so that will be good, venturing over the border, think we will be allowed in ;Hmm

Speak to you soon and hope family are all well k

Haha - you're coming to England - why on earth would you do such a thing ;EEK ;EEK

Have a great break, its amazing to see the difference in you since when we first spoke..... lol, talk about calm and collected! Well done

I agree with Mr SnS plan - shame it doesn't work for me though cos I gotta be here - can't imagine Mrs Niddy doing this - well she would if I biatch slapped into submission but then some of the advice would be interesting, shall we say

Have a great time away - chat soon ;Hi ;Hi

[scarednshakin]

Re: The Scarednshakins UE Diary

Kids can't wait for holiday, so should be good, few years since we ventured down south ;EEK

I would like to see the day that you biatch slapped Mrs Niddy ;N ;N

Only way we are calm these days is thanks to all the great advice and support that we have received from you and all the support from the forum. Still have panic when letters come in but know now not to panic too much cause they are all 1 , he he do love the new smilies.