Marlings UE diary

[MrsD]

Re: Marlings UE diary

Marling, best thing to do is start a very good filing system, we have 21 creditors and its sometimes a full time job keeping track of what they are all doing.
I have a file for each debt, keep everything and when you send a letter take two copies, one for creditors and one for your file, I make sure I file each letter with the DCA letter that it applies to. Takes some time, but a good paper trail is essential, and trust me you can't afford to miss anything!
Have fun!

[mauijim]

Re: Marlings UE diary

so when i print the cca's and anything else in the future should i be doing 2 copies so ive got one for my files for each individual case ?

Well I am not an expert in this but I suggest you keep all paperwork like agreements etc. that you have just like that...yours! Let the DCAs do the running around to find what they need. Don't let them know what you have no matter what happens UNLESS Niddy advises otherwise.

When they send you a CCA upload it to the "Secure Section" (see bottom of Niddy's posts/signature for this information.

[marling]

Re: Marlings UE diary

so when i print the cca's and anything else in the future should i be doing 2 copies so ive got one for my files for each individual case ?

[marling]

Re: Marlings UE diary

Can you afford to pay the debts? If not then yea, send off for the CCA......

let me just check my wallett and the back of the couch

[Never-In-Doubt]

Re: Marlings UE diary

re : i also have interesting letter form northern rock loan dated 7/7/2009 giving me an up to date statement showing my payments via cccs(at the time) but also it has on it : bad debt write off : £5,755.93

is this an own goal by them or is it stating its been sold off their books ?

It means they have sold that portion off or written it off as a business loss, ie if you had a £20k balance and they added an entry with £7k write off, then assume you made a F&F for £13k, they'd take it without shadow of a doubt.

However with NR, exclusively, it basically means that is what they've agreed sale of; ie they will sell the debt for this amount, to a DCA.

[marling]

Re: Marlings UE diary

Welcome Marling you are in the right place.

I am also new but I have learned a lot in the last 3 months. I would offer the following that has helped me.

1. Perform all correspondence with creditors in writing only.
2. If you have not already done so then setup a lever arch file where you can keep all paperwork.
3. Send all mail Recorded delivery and staple all proof of postage to the letters.
4. Never speak with them via phone and ignore home viisits. Under no circumstances allow them entry to your home. I suggest sending Harassment by Telephone and also Harassment and threat of Doorstep visit(if they threaten a visit)This may seem like overkill but it gives you peace of mind valuable time to think and relax.
5. Listen to the advice from Niddy and his crew. Trust them 100% and follow their advice even if you feel unsure. if you do feel unsure then simply ask for clarification and then follow the advice. I have done so it has changed my life immeasurably for the better!
6. Relax.......this seems hard I know but having read your posts it appears your debts are on Credit Cards and/or loans. I would just ask are the loans secured?
7. Ask for advice and join in with the chat on the forum as it will help you to realise there is a life to be had and being in debt is not a crime!!

MJ

hi mauijim
apologies for delay, thanks for info and help.
2: i have set up seperate files for all
thankfull i am reasonably hardened up to all this, lets hope i remain that way.
again thanks for the welcome
all the best
marling

[Never-In-Doubt]

Re: Marlings UE diary

hi niddy
thank you very much for your promt replies and guides.
so do you think UE is a good way to go about this ?
ive noticed you have asked some people to get experian/equifax reports, does this apply to me yet ?
i will get the cca's arranged in the next couple of days.
thanks again.
marling

Can you afford to pay the debts? If not then yea, send off for the CCA......

[marling]

Re: Marlings UE diary

re : i also have interesting letter form northern rock loan dated 7/7/2009 giving me an up to date statement showing my payments via cccs(at the time) but also it has on it : bad debt write off : £5,755.93

is this an own goal by them or is it stating its been sold off their books ?

[marling]

Re: Marlings UE diary

Please elaborate - tell us more....?

will email you shortly re this and things in general

[marling]

Re: Marlings UE diary

Ok, hopefully now you'll see a pattern evolve from the above - basically send off a CCA Request then update your diary when you get a reply, and email me the agreement and we'll then work through each one. You need to either stop paying those as indicated, or at least consider it.

Regards to who to send the CCA - this goes to whoever owns the debt, so in most cases the DCA that is hassling you - also, do not sign the cheque in your normal handwriting, do it completely different or use postal orders.

Best of luck, keep us updated!

hi niddy
thank you very much for your promt replies and guides.
so do you think UE is a good way to go about this ?
ive noticed you have asked some people to get experian/equifax reports, does this apply to me yet ?
i will get the cca's arranged in the next couple of days.
thanks again.
marling

[mauijim]

Re: Marlings UE diary

Niddy....wow you are a star! Couldn't find the emoticon for a star! That was a lot of replies, your Karma rating will be through the roof; great to see someone helping others!

Marling....I hope you can now start to get things on track.

[Never-In-Doubt]

Re: Marlings UE diary

no, as yet i have done nothing at all, awaiting instructions.
in the case of halifax & egg i have my copies of the original agreement when i took the cards out ie : read this first cca 1974 & then sign form.

i also have interesting letter form northern rock loan dated 7/7/2009 giving me an up to date statement showing my payments via cccs(at the time) but also it has on it : bad debt write off : £5,755.93 , will this have any relevance ??

cheers marling

Ok, hopefully now you'll see a pattern evolve from the above - basically send off a CCA Request then update your diary when you get a reply, and email me the agreement and we'll then work through each one. You need to either stop paying those as indicated, or at least consider it.

Regards to who to send the CCA - this goes to whoever owns the debt, so in most cases the DCA that is hassling you - also, do not sign the cheque in your normal handwriting, do it completely different or use postal orders.

Best of luck, keep us updated!

[Never-In-Doubt]

Re: Marlings UE diary

finally i have two provident loans at present that i am struggling to keep up payments on, your views please.

Please confirm amounts and when taken out, plus original loan amounts for each. Continue repaying these for the moment until at least you confirm the details to us.

[Never-In-Doubt]

Re: Marlings UE diary

(12) Wembley stadium

prefer to pm/email you on this one.

Please elaborate - tell us more....?

[Never-In-Doubt]

Re: Marlings UE diary

(11) Barclays business debenture

start : late 1990's
bal : £10,000
last full : early 2008
present : not paying
status : unsure / very little contact
dca : none

2008
july barclays - demand
novem barclays - demand

Ignore this totally, obviously it's pointless bringing it out of statute, what with last contact being over 3yrs I'd say leave sleeping dogs and all that