Marlings UE diary

[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

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

[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 ?

[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.

[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!

[garlok]

Re: Marlings UE diary

Hi Marling,

I would also add to keep the envelopes as well for any correspondence you receive each stapled to the relevant letter and marked with the date you received it. It can be very important later down the line.

regards
Garlok

[Never-In-Doubt]

Re: Marlings UE diary

Hi Marling,

I would also add to keep the envelopes as well for any correspondence you receive each stapled to the relevant letter and marked with the date you received it. It can be very important later down the line.

regards
Garlok

A certain Mr Harrison springs to mind

[marling]

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!

hi, thanks for info. have now set up indivudual folders and excel database.

[marling]

Re: Marlings UE diary

Hi Marling,

I would also add to keep the envelopes as well for any correspondence you receive each stapled to the relevant letter and marked with the date you received it. It can be very important later down the line.

regards
Garlok

hi garlok
thank you, something i wouldnt have done, will keep good filing system.
cheers marling

[marling]

Re: Marlings UE diary

help please guys

3 of my requests are going to dlc and 2 to moorcroft, should i send dlc's in one letter or all seperately ?

could someone please give a link to digital signing as i am not understanding this bit at the mo ?

iqor are annoying me with calls to my mobile should i add a telephone warning request in with their cca request ?

cheers all
marling

[garlok]

Re: Marlings UE diary

Hi marling,

No trouble. The case mentioned above by Niddy is Harrison v Link and was won by Paul one of our moderaters here and the law firm he works for. I also know of a couple of cases which have been won and also fallen because of lack of proof absolute at to posting methods. Should heaven forbid any of the case get to the court. Creditors and DCAs make the silly assumption that we are all stupid and are incapable of keeping records. if you do and they are made aware of that fact via template letters etc they often back away to look for a more vulnerable soft target.

regards
Garlok

[garlok]

Re: Marlings UE diary

Always send your CCA requests to the organsiation that claims to OWN the debt and I personnaly would always send legal documentation such as this separately. If Iquor are real problems then use the telephone harassment letter separately again.

regards
Garlok.

[Deepie]

Re: Marlings UE diary

help please guys

3 of my requests are going to dlc and 2 to moorcroft, should i send dlc's in one letter or all seperately ?

could someone please give a link to digital signing as i am not understanding this bit at the mo ?

iqor are annoying me with calls to my mobile should i add a telephone warning request in with their cca request ?

cheers all
marling

Link Signing Digitally

[marling]

Re: Marlings UE diary

maybe i didnt explain myself well enough previoulsy, apologies.
DLC are dealing with three seperate accounts of mine should i send all three cca requests in one envelope or three seperate envelopes ?
cheers marling

[MrsD]

Re: Marlings UE diary

three seperate envelopes! all recorded seperately