SLUGs UE diary

[Never-In-Doubt]

Re: SLUGs UE diary

Hiya

What you got to realise is that the court will always offer a proportionate amount whereas the lender/dca will want anything you have left (i.e. higher amounts) - but that said, i'd be looking to make a sensible offer to stave off court action then consider reducing it in a month or two....

I'd suggest you ring them and ask them if you can set-up payment proposals.... or you ignore them and let them CCJ you, other than that they still can't get blood out of a stone can they? A ccj lasts the same 6yrs as a default.

I am not suggesting you do this, but put another way, I know a lot (I mean hundreds) of people who'm i've helped that have CCJ's and have never heard back once they "vanish from the face of the earth" lol ;-)

[SLUG]

Re: SLUGs UE diary

;F- Ahhhh well, thanks for looking again NID. Fingers crossed on the other two......although I get the feeling EGG might go the same way..... the 1

Just quickly:
So you'd recommend phone instead of using the offer/budget form that comes with court papers? What happens? If I offer 10 quid a month are they going to laugh at me and ask for proof of budget and refuse and say we'll take you to court anyway? I dont want to F this up, or give them any unnecessary info or ammo.

[Never-In-Doubt]

Re: SLUGs UE diary

Bugger, it still is enforceable i'm afraid - what a bugger!! Basically linked, look in bottom right corner at code and linkage (page 1 of 2 and page 2 of 2) - bummer.

I'd probably ring them and ask them if you can arrange repayments and see what they say.... sorry, we tried matey.

[Never-In-Doubt]

Re: SLUGs UE diary

email me the M&S agreement again please......

[SLUG]

Re: SLUGs UE diary

Hey NID, thanks for you usual quick replies!

....Well, interesting. Let me think about that for the weekend, mull it over. What does defending involve, and what am I defending on? I didn't even see an option down that crazy route.... Its enforceable so what am I trying on? Is it even possible to get a positive outcome?

;Hmm

[Never-In-Doubt]

Re: SLUGs UE diary

....yeah, I own my own house so no escaping paying really - yes its the form from Northampton bulk as well. All legit..... Its a card I want to do a F&F offer on later next year when I get a small payout, so I was hoping to knock it about a bit till then.

Fair play to them, no messing around - I must of missed my first payment not even 8 months ago after being a perfect payer since I got it? No selling it on and dragging it out for M&S! ;F-

Ahh bollox, that's a nightmare..... sorry to hear that! Fancy defending it or would you rather agree to repayments?

Its your choice.....

[SLUG]

Re: SLUGs UE diary

aaah bollocks mate - is it definitelty the N1 claim form from the central bulk processing at Northampton?

Sorry to hear that mate..... Do you own your own house and/or need a clean credit file for work? i.e. i'm thinking you could just ignore it all...... but only in extreme circumstances. (I never said that honest)....

....yeah, I own my own house so no escaping paying really - yes its the form from Northampton bulk as well. All legit..... Its a card I want to do a F&F offer on later next year when I get a small payout, so I was hoping to knock it about a bit till then.

Fair play to them, no messing around - I must of missed my first payment not even 8 months ago after being a perfect payer since I got it? No selling it on and dragging it out for M&S! ;F-

[Never-In-Doubt]

Re: SLUGs UE diary

aaah bollocks mate - is it definitelty the N1 claim form from the central bulk processing at Northampton?

Sorry to hear that mate..... Do you own your own house and/or need a clean credit file for work? i.e. i'm thinking you could just ignore it all...... but only in extreme circumstances. (I never said that honest)....

[SLUG]

Re: SLUGs UE diary

Well that didn't hold them back for long..... court papers received for M&S (enforceable). ;P-;

Any advice? Do i use the papers received to make reduced payment offer, or should I contact them direct? I assume whatever I do I do it in writing only. They added solicitor and court costs, do I accept these added to the debt?

I would like to make a token payment, but I guess I need to be more realistic - hoe tight are they on this? I think I'll use the CCCS forms from to plan my outgoings again, its helpful working out the maximums that are reasonable for each outgoing - I would include other CC payments even though i not paying them ;Sh .

Would they ever need to see a bank statement? Whatever I guess this is something to deal with this week.

cheers.

[Never-In-Doubt]

Re: SLUGs UE diary

Hiya

yea you're right in that HSBC underwrite and issue M&S money products.... just keep us updated as and when you hear anything. y

[SLUG]

Re: SLUGs UE diary

Thanks NID.

....can I just clarify what I'm doing with this? Am I just extending a blag, trying to confuse them and give them something to do before action? At what point do I give in - When I get official court docs? ;Hmm

Pretty much yea, you're ideally wanting them to back down - however if you feel they won't then at any time that suits you call them and arrange a repayment plan.

If you want to avoid any possible action then call them, but it depends how far you want to go really.....

Hi NIDs,

Sending this letter today - but just updating this thread really with a bit of mildly interesting info - I did a bit of digging (erm, well, Google ) and it seems DG is still just an in-house department within HSBC, as is M&S money with which I have the card. So the debt hasn't gone anywhere yet really. I *really* want them to sell it on, as I think I will be in a strong position in about 6months+ to offer a F&F on this one.

Doubt this needs a relpy, just keeping my info ship-shape. Whatever that means.

[Never-In-Doubt]

Re: SLUGs UE diary

Thanks NID.

....can I just clarify what I'm doing with this? Am I just extending a blag, trying to confuse them and give them something to do before action? At what point do I give in - When I get official court docs? ;Hmm

Pretty much yea, you're ideally wanting them to back down - however if you feel they won't then at any time that suits you call them and arrange a repayment plan.

If you want to avoid any possible action then call them, but it depends how far you want to go really.....

[SLUG]

Re: SLUGs UE diary

I'd try a bit longer and respond to the solicitor with this: ---> viewtopic.php?p=2319#p2319

See what that does! eeek....

Thanks NID.

....can I just clarify what I'm doing with this? Am I just extending a blag, trying to confuse them and give them something to do before action? At what point do I give in - When I get official court docs? ;Hmm

[Never-In-Doubt]

Re: SLUGs UE diary

I'd try a bit longer and respond to the solicitor with this: ---> viewtopic.php?p=2319#p2319

See what that does! eeek....

[SLUG]

Re: SLUGs UE diary

Ok, Morning!

Got a letter today from DG Solicitors in regards the M&S card (will update opening post after this post).
I guess its the standard stuff, although I was expecting their next move to be a debt collection agency not solicitors?? Comes from the "Pre-sue Unit" as well, just to scare you a little more...
In a nut shell:
" We act for M&S, you have failed to respond to them, we now demand full payment on their behalf. We have been instructed to take legal action against you in the county court to recover this debt if we do not receive the full amount. To avoid legal action you must pay the full amount due within 14 days of this letter. If you need time, we may be able to arrange this, call us - etc etc and so forth"

What is my way forward now, bearing in mind this is actually enforceable? Try and set up reduced payments now or hang on in there longer?

Cheers!