SLUGs UE diary

[SLUG]

Re: SLUGs UE diary

With regards the EGG account..... new letter recieved.....

In a nutshell: "we are working on behalf of CDUK, agents for the above creditor. Unless recieve payment within 7 days we will have no alternative but to recommend to our client we proceed with legal action. All communications to our clients only. etc etc"

....Just thinking out loud - but a quick search shows that HL legal sort of "rent out" their letterhead to other collection agencies as well. Which kind of tallies with the "IMPORTANT: all payments and communications must be directed to our client" .....they dont sound very involved. Yet.

[SLUG]

Re: SLUGs UE diary

With regards the EGG account..... new letter recieved.....

This is fromHL legal & collections solicitors, and quite cheekily they have found out who I work for and googled their address - so I recieved this letter via our main office (not where I work, and not info I have ever given out.)

In a nutshell: "we are working on behalf of CDUK, agents for the above creditor. Unless recieve payment within 7 days we will have no alternative but to recommend to our client we proceed with legal action. All communications to our clients only. etc etc"

Now this letter is dated over 7 days ago (would of taken a while to get to me at correct location), so my last reply to CDUK will of also crossed this. I guess they can take that as a reply to this letter instead.

Should I send anything to these solicitors as well though??? Sounds like Im not far off another court thing. Again. :what

Interesting note (although prob not important in the slightest): I got a text and email saying my home address had been changed on my account - I didn't think anything of it as thought it was just a con to get me to phone them up, but checked the last letter I recieved from CDUK and not sure how it even got to my house - it is a mash up of 2 addresses with a postcode for another town altogether. I didn't put my address on my return letter because of this. :quiet

[Never-In-Doubt]

Re: SLUGs UE diary

...now on to EGG....

As detailed in opening post, this has now been passed onto CDUK and I have been getting regular automated phonecalls from them, which is no great shakes - easy enough to ignore.
Now today they have sent me one of their red: URGENT NOTICE letters - the usual guff I guess, "a course of action open to our clients would be to issue court proceedings" and "failure to make a payment by return could result in..." and could result in "an attachment/assestment of earnings" etc etc.

Is this an "ignore" situation for time being, or can I bamboozle them in return? I am now fully aware how quickly M&S turned into a court action so Im probably thinking about this one more than I should.....

...if only these two could be more like Cahoot?!?

....actually, I can probably answer myself - Its the "sold in dispute" letter time eh? Keep them at bay for a little longer :xm56

I would consider sending this, just to be certain and safe: ---> viewtopic.php?p=2319#p2319

However you can, if you want, send the account sold letter but i'd miss it and opt for the one above, if I was you.

[SLUG]

Re: SLUGs UE diary

...now on to EGG....

As detailed in opening post, this has now been passed onto CDUK and I have been getting regular automated phonecalls from them, which is no great shakes - easy enough to ignore.
Now today they have sent me one of their red: URGENT NOTICE letters - the usual guff I guess, "a course of action open to our clients would be to issue court proceedings" and "failure to make a payment by return could result in..." and could result in "an attachment/assestment of earnings" etc etc.

Is this an "ignore" situation for time being, or can I bamboozle them in return? I am now fully aware how quickly M&S turned into a court action so Im probably thinking about this one more than I should.....

...if only these two could be more like Cahoot?!?

....actually, I can probably answer myself - Its the "sold in dispute" letter time eh? Keep them at bay for a little longer :xm56

[SLUG]

Re: SLUGs UE diary

A little SLUG based update here....

Regards M&S and court papers, I have had to use the court form to make an offer of monthly payment on this as everyone was a bit arsey on the telephone, waiting for their relpy.

...now on to EGG....

As detailed in opening post, this has now been passed onto CDUK and I have been getting regular automated phonecalls from them, which is no great shakes - easy enough to ignore.
Now today they have sent me one of their red: URGENT NOTICE letters - the usual guff I guess, "a course of action open to our clients would be to issue court proceedings" and "failure to make a payment by return could result in..." and could result in "an attachment/assestment of earnings" etc etc.

Is this an "ignore" situation for time being, or can I bamboozle them in return? I am now fully aware how quickly M&S turned into a court action so Im probably thinking about this one more than I should.....

...if only these two could be more like Cahoot?!?

[Never-In-Doubt]

Re: SLUGs UE diary

You know what, my bad - I was in a darn rush. I phoned the number from the papers, which is the Solicitors ....I should of phoned M&S with my offer.

haha - yea, ring M&S - although they may also refuse to deal in which case yea, use the admissions form that was sent with the N1 claim pack. ;P-;

[SLUG]

Re: SLUGs UE diary

You know what, my bad - I was in a darn rush. I phoned the number from the papers, which is the Solicitors ....I should of phoned M&S with my offer.

[SLUG]

Re: SLUGs UE diary

Hiya. I'd just ask them to drop it and you'll agree to an arrangement....

Pointless really cos it is enforceable...

Well I phoned up and tried to make an offer, but seems I've got to wait until I hear back from this:
viewtopic.php?p=2319#p2319

....which should be soon as they managed to find it easy enough last time. When they have resent me those docs I have an extra 14 days to respond - i.e. they have already delayed court proceedings whilst they look into it. If all I've done is give them a bit of annoying paperwork then I guess that's something. 1

They will then look at an offer via the court admission form, but not via the phone....I guess I could do that now anyway, no real difference, just dragging it out.

He kept trying to make me admit to owing the full amount on the phone which I avoided as I didn't know where we were going with the conversation. Bit annoyed they've got my mobile number now as they didn't seem to have it before, but that's easy to deal with if they start using it.

[Never-In-Doubt]

Re: SLUGs UE diary

Hiya. I'd just ask them to drop it and you'll agree to an arrangement....

Pointless really cos it is enforceable...

[SLUG]

Re: SLUGs UE diary

Hey Y'all,

well I haven't got in touch with the Solicitors yet to make an offer but they did send me a new letter. I presume this is their response to the letter I sent asking them to leave me alone and not take me to court as soon as they first threatened, which it seems they did straight away anyway without reading my letter first.....it says:

"Thankyou for your letter the contents which have been noted. Our client has instructed us to issue a claim for a county court judgement. The claim form will be sent to you from the court.
We have referred to our client to ask for the information contained in your letter. Once we have responded we will allow a further 14 days from the date of that letter should you wish to file a defence.
Should you wish to discuss, call us bla bla bla."

.....dont think this changes much (if anything), but I was a little unclear whether they are delaying the court action by 14 days themselves (badly worded that bit)? Maybe I should do that anyway myself through the court papers (delay extra 14 days), before I make an offer, just to see what the outcome of this is first? Might be worth a punt.

I still have 7 days to make a response to the court papers so no rush - aware KingNIDs is away till Tuesday and that's fine.
have a good weekend everyone! 2

[Never-In-Doubt]

Re: SLUGs UE diary

Hiya

Listen you guys don't go worrying, a lender will only force action if they are 100% certain it is enforceable - so those of you that have managed to stave HSBC (M&S) off for a few months will already know that they are not certain otherwise they'd have tried to take action......

Who knows maybe they have been "ill" advised to bully the issue to get results, all we need though is for them to do it to someone from legal beagles/cag who will defend it - then we get a test case scenario which isn't a bad thing (at times) so long as arsehole waksman isn't presiding the case! If so then it'll be another lender victory in the face of the consumer and the acts set-up to protect the consumer from this exact bull shit from occuring.

Rant over! gh

[MattyA]

Re: SLUGs UE diary

I am watching your progress with great interest slug.....I am in a very similar position but have not had the court papers yet.
I have also done the CCCS thing & it came out at 16 years!
So like you there is little left each month for the various creditors.
As his nidship says,give it a go and see what happens...I will no doubt end up folowing suit.

Good Luck
Matty

[Never-In-Doubt]

Re: SLUGs UE diary

I would do that yes, see how you get on.....

[SLUG]

Re: SLUGs UE diary

....well, I just did my cccs budget again and it says I have only a quid left over to offer all my creditors ;30

....all costs I have added are within CCCS guidelines and nothing should jump out. Would this put me in a good position to, say, offer M&S a tenner a month to drop the court proceedings and send them my budget that shows that I'm being quite generous and they might get nowt in court? Personally I think I could go to 20quid on this debt that is around the 7k mark - or am I being naively low with this offer?

[SLUG]

Re: SLUGs UE diary

Quick EGG update:

letter received - we are canceling your account and passing on to a DCA.
....about time, no action needed by me at this point. Will update when I see who they've given it to.


M&S - Thanks Sir NID, interesting stuff as usual! but as I own my own house and have various assets (well, stuff) Im concerned if I just treat this as another "default" they can go after this. PM me if we are going into a slightly legal grey area :xmas9
...I would be happy to take a CCJ if that's all it was, as I'm still awaiting one lazy CC to default me anyway, so I'm not doing anything creditwise for the next 6 years anyway.

....Im going to do a bit of research on this aspect myself today I think, as I feel like Im hassling you a bit on this one point, sorry if so mate!