lookingforward's UE Diary

[Never-In-Doubt]

Re: fedupwiththeworry's UE Diary

1st Credit who own (MBNA Loan)

I know this is a scare tactic letter and in fact I had virtually the same one from them years ago when I was struggling to pay, however do I ignore as they haven't responded to my CCA request or send the threat of court action letter ?

Thx
Niddy[/color]

Hiya, respond with this: ---> viewtopic.php?p=2319#p2319

[lookingforward]

Re: fedupwiththeworry's UE Diary

Thanks Niddy, going in the post today :-)

[lookingforward]

Re: fedupwiththeworry's UE Diary

Just got the post and there's a letter from 1st Credit thanking me for my letter (CCA Chase up) saying it's been passed to the relevent Dept who will respond in due course.

Shall I still send the threat O gram letter ?

[Never-In-Doubt]

Re: fedupwiththeworry's UE Diary

Hellooooo

Nope - you just ignore, cos they aren't refusing - they are saying they will pass it on!

Just sit tight.

[lookingforward]

Re: fedupwiththeworry's UE Diary

Hellooooo

Nope - you just ignore, cos they aren't refusing - they are saying they will pass it on!

Just sit tight.

Ah Ok so because that's come just after the legal action threat letter it's counted as their latest response so I sit tight

Is that right ?

[Never-In-Doubt]

Re: fedupwiththeworry's UE Diary

Hiya

Ok, did you send this response on 18th? ---> viewtopic.php?p=35220#p35220 If so then you need to wait for that to be delivered etc - obviously things are crossing in the post so send them nothing else right now! let things die down and sort themselves out a bit.

In the meantime follow the plan as directed above in previous posts - ignore this recent letter because it has crossed with other stuff.

[lookingforward]

Re: fedupwiththeworry's UE Diary

Hi Niddy,
No the letter you said to send on the 18th was going out today (only saw your post this morning) before I could send it todays postman turned up with the letter thanking me for the CCA request chase up. Didn't know whether to still send your 18th letter or not, should I ?

[Never-In-Doubt]

Re: fedupwiththeworry's UE Diary

Hiya

Woah - you're well confusing me here - I need simple explanations. Obviously (sorry but i'm getting wound up now) a legal threat is like 100 times more important than a silly letter saying we'll be in touch - don't you agree?

Therefore of course you ignore the most recent one and send the legal threat to stave off any action they try and take against you. The letter received today should be ignored.....

Make sense?

[lookingforward]

Re: fedupwiththeworry's UE Diary

Gotcha, will send it today, does make perfect sense

Apologies for the confusion

[Never-In-Doubt]

Re: fedupwiththeworry's UE Diary

No probs lol. Thanks y

[lookingforward]

Re: fedupwiththeworry's UE Diary

;K7 in a manly sort of way :-cow

[Never-In-Doubt]

Re: fedupwiththeworry's UE Diary

;K7 in a manly sort of way :-cow

;LOL ;LOL ;LOL

[lookingforward]

Re: fedupwiththeworry's UE Diary

Mint C/C

Key
Blue = sent
Red = Rec'd
Green = other

24.5.10 CCA Request sent
3.6.10 Normal statement received.
10.06.10 CCA showing as still in Royal mails system!
10.06.12 CCA Reminder Sent
19.6.10 CCA Received enforceable but try to blag it re Niddy
29.06.2010 S10 Cease & Desist sent
8.7.10 Normal statement received
15.7.10 Final demand for payment letter received saying if payment is not received they will send to DCA. Need to ask Niddy’s advice.
28.7.10 Letter received 15.7.10 need payment in 14 days or going to DCA
2.8.10 Normal Statement rec’d
11.8.10 Sent debtors final response cca rec’d letter re Niddy
21.8.10 Letter rec’d stating do not consider in dispute
28.8.10 Letter rec’d from RMA states instructed by their client Mint to collect the full overdue balance, call ….. to make payment by credit/debit card or call ….. to discuss repayment proposals.
6.9.10 A/C sold whilst in default of cca req letter to RMA 6.9.2010


Today rec'd letter from Westminsters Solicitors headed "Notice of possible legal proceedings"
stating they have been instructed by RMA acting on behalf of their client Mint to review my a/c as they may have no alternative but to advise Mint to issue legal proceedings against me in the local county court. They will be after full o/s amount plus stat interest / costs etc.
Then normal stuff about attachment of earnings, charging order on house.
They would prefer to avoid by contacting RMA topay full amount or discuss repayment options.


So it appears RMA ignored my last letter ??

[Never-In-Doubt]

Re: fedupwiththeworry's UE Diary

Mint C/C

Today rec'd letter from Westminsters Solicitors headed "Notice of possible legal proceedings"
stating they have been instructed by RMA acting on behalf of their client Mint to review my a/c as they may have no alternative but to advise Mint to issue legal proceedings against me in the local county court. They will be after full o/s amount plus stat interest / costs etc.
Then normal stuff about attachment of earnings, charging order on house.
They would prefer to avoid by contacting RMA topay full amount or discuss repayment options.


So it appears RMA ignored my last letter ??

Hiya, it does indeed appear they have ignored you - never mind, just respond as follows......

RMA - viewtopic.php?p=2318#p2318
Westminsters - viewtopic.php?p=2319#p2319

Nawty RMA/Westminster

;;L ;;L ;;L

[lookingforward]

Re: fedupwiththeworry's UE Diary

Cheers Niddy, in the post today