Marlings UE diary

[MrsD]

Re: Marlings UE diary

well done, it sometimes feels better just writing it down!

Niddy will be along, one thing I would ask, have you sent for CCAs at all or when you say you have the original agreement, is that your copy or one that they have sent you?

[marling]

Re: Marlings UE diary

well done, it sometimes feels better just writing it down!

Niddy will be along, one thing I would ask, have you sent for CCAs at all or when you say you have the original agreement, is that your copy or one that they have sent you?

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

[MrsD]

Re: Marlings UE diary

its always good to build up a wee supply of their mistakes.
as for the CCAs, doesn't much matter what you have, much more interesting to see what they have!

[marling]

Re: Marlings UE diary

its always good to build up a wee supply of their mistakes.
as for the CCAs, doesn't much matter what you have, much more interesting to see what they have!

ok, slowly getting hang of the site, will await info.
thanks for promt replies, even.
need a drink now lol

[mauijim]

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

[MrsD]

Re: Marlings UE diary

nice post Jim!

[mauijim]

Re: Marlings UE diary

nice post Jim!

...thanks ELD that is very kind of you!

[mauijim]

Re: Marlings UE diary

(1) Halifax Credit Card

start : feb 2006
bal : £9638
last full : may 2008
present : not paying
status : default(have letter) / have original agreement
dca : iqor

2008
july retail bank - full payment
decem retail bank - trying to contact
2009
may moorcroft - last 3 payments made on card request
june moorcroft - 75% offer
novem moorcroft - default cccs
2010
jan capquest - referred
feb hl legal solic - take notice
mar capquest - ltr before action
apr capquest - doorstep threat
may wescot - instructed
june nelson guest - instructed by wescot
july nelson - discount offer
july wescot - doorstep threat
sept iqor - referred
novem gbp solic - legal pending iqor

Well it seems you have been on the DCA merry-go-round! I guess you've had a lot of threats and felt like **** as a result. That's how I used to feel.

Have you sent off for the CCA?

[what2donext]

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

Welcome Marling you are in the right place here, well put Maujim we are also quite new to this and the help and support you get here has enabled us to stop worrying and losing sleep over debts,you think theres only you in that position, but you soon learn that debt is not a crime.

[Never-In-Doubt]

Re: Marlings UE diary

Hiya

Can you please ignore the agreements you have, ie the originals, keep them separate for now and request a CCA for all consumer credit accounts excluding the ones listed below CCA Request

Regards the Wembley thing - I'm not too sure about that, you'll need to elaborate somewhat - i'll get round to checking PM's later but for now, concentrate on sending a CCA to each of the creditors listed in your diary with the exception of Wembley and the doorstep loans - yes, send one for the O'D as well (albeit a waste of time, they sometimes write the balance off if they notice faulty paperwork)....

Then update us as and when you get any replies...... Obviously you realise your credit file will be blown, sod this right now. Obviously it's up to you if stop all payments, it may be an idea to - so you can take stock of things.

Regards to the older accounts that you've had no contact with, it's best to continue to ignore them - ok, change of plan, bear with me as to make things easier I will quote each of your posts and clarify what is best to do....

Wait a few mins before posting!

[Never-In-Doubt]

Re: Marlings UE diary

(1) Halifax Credit Card

start : feb 2006
bal : £9500
last full : may 2008
present : not paying
status : default(have letter) / have original agreement
dca : iqor

2011
june iqor - 50% settlement

Send off for a CCA Request

[Never-In-Doubt]

Re: Marlings UE diary

(2) Lloyds credit card

start : not sure / pre 2007
bal : £6000
last full : may 2008
present : £5 door colection
status : default(have letter)
dca : moorcroft

2011
apr midas credit - litigation / part of moocroft

Send off for a CCA Request

[Never-In-Doubt]

Re: Marlings UE diary

(3) Amex credit card

start : not sure / pre 2007
bal : £5000
last full : may 2008
present : not paying
status : cancellation (have letter)
dca : moorcroft

2011
jan rma - bankruptcy threat
feb moorcroft - intend litigation
apr moorcroft - intended litigation
may morrcroft - discount offer

Send off for a CCA Request

[Never-In-Doubt]

Re: Marlings UE diary

(4) Egg credit card

start : sept 2001
bal : £4000
last full : may 2008
present : £5 online payment
status : default(have letter) / have original agreement
dca : dlc

may dlc - made £5 pm offer
aug dlc - failed to pay

Send off for a CCA Request

[Never-In-Doubt]

Re: Marlings UE diary

(5) Mint credit card

start : not sure / pre 2007
bal : £3000
last full : may 2008
present : £5 online payment
status : default(have letter)
dca : scotcall

2011
feb regal credit - notice
mar regal cedit - 7 day notice
may scotcall - doorstep threat
june scotcall - i agree £5pm via online

Send off for a CCA Request