New and confused

[MrsD]

Re: New and confused

good, everyone needs a holiday

[helmsman]

Re: New and confused

Nothing to feel guilty about! Why should we have to forgo holidays, etc. so that bankers can get even bigger bonu$e$ by paying them? No way!

Thanks to UE, I'll also be spending a week on a sunny beach soon!

…instead of CC repayments that would never have cleared the debt!

Im off as well in September thanks to UE dont feel guilty either.

[jon1965]

Re: New and confused

Definitely no reason to feel guilty , mind you I think FP spends far too long out of this country on holidays, no wonder the place is in such a mess

[Pixie]

Re: New and confused

Thanks...though it's a long way out of your way...I'll meet you halfway

[samsmum]

Re: New and confused

I wouldn't feel guilty about it...why on earth shouldn't you have a holiday?

If I could afford it, I'd be on a sunny beach too

Well if he can't fly i'll pick you up on the way to the airport

[Pixie]

Re: New and confused

But of course Pixie.....And if hubbie gets the all clear to fly this week we'll be ignoring it from a sunny beach. Know that sounds really bad but after the year from hell medically i'm not going to feel too guilty about it

I wouldn't feel guilty about it...why on earth shouldn't you have a holiday?

If I could afford it, I'd be on a sunny beach too

[jon1965]

Re: New and confused

Enjoy the sun and think of us all here in the crappy summer that is almost over...when did it start?

[samsmum]

Re: New and confused

But of course Pixie.....And if hubbie gets the all clear to fly this week we'll be ignoring it from a sunny beach. Know that sounds really bad but after the year from hell medically i'm not going to feel too guilty about it

[Pixie]

Re: New and confused

You're going to ignore the letter aren't you...

[samsmum]

Re: New and confused

CO-OP LOAN
11/2002
£4900
04/2003
Not paying
arrears
Payments to CO-OP
26/9/11 Termination letter received. Advised to ignore
12/10/11 Account being passed to specialist collections. May default, pass to solicitors etc etc. may negotiate F&f.
13/10/11 CCA request sent
13/10/11 SAR sent
31/10/2011..CCA received Niddy says
03/11/2011..CCA Query Missing prescribed terms
16/11/11..Letter received saying they know i live here and assume i am deliberately avoiding them. Ring to make arrangement or will be passed on for immediate recovery action
16/11/11.. ''SPECIAL OFFER'' letter received offering 50% discount if paid within 10 days
15/12/2011..letter received saying as i'm ignoring them they've made the decision to register the account as in default and pass to a specialist DCA and the Co op will not enter into further discussion regarding the debt
17/12/2011..b/f and closing statement received. interest being added half yearly
18/12/2011.. refusal to accept ue status letter sent
07/01/2012..letter received thanking me for my complaint. Concerns will be investigated by a case handler and outcome sent in writing asap
11/ 01/2012...Letter received from MOORCROFT. Been instructed by Co op. Notice of Intended Litigation
12/01/2012..Threat by creditor..to commence litigation letter sent
20/01/2012..Letter received from Co op stating they have investigated and believe account is enforceable and we are liable, and this is their final response. If we're not happy complain to FOS within six months. Account now with Moorcroft
21/01/2012.. Letter from Moorcroft saying account on hold while they investigate matter with Co op
11/02/2012.. letter from Moorcroft with copy of agreement enclosed. Account on hold for 14 days to allow time to contact them to arrange a repayment plan after which they will commence further action
27/02/2012.. letter from Moorcroft..if i dont contact them following receipt of this letter they may recommend legal action.They go on to tell me a list of court charges
01/03/2012...Letter sent courtesy of Cleverclogs. See post 797
14/03/2012.. letter from Moorcroft saying their clients believe documents sent do meet requirements under setion 78. Go on to explain about Carey v HSBC. Want paying basically
26/03/2012..Letter from Moorcroft. MONTHLY INSTALMENT OFFER. As i haven't contacted them they feel we may not be in a position to clear the account in full.To stop legal proceedings they'll accept £120 per month
27/03/2012..CREDITOR REFUAL TO ACCEPT UE STATUS LETTER SENT
18/04/2012...Letter received from Midas Credit Services. Litigation Warning.Part of the Moorcroft group and aware we've failed to pay.Reviewing account prior to possibly recommending legal action by external solicitors.
18/04/2012.. Enough is enough letter sent
24/04/2012..Letter from Moorcroft. Account on hold while they refer back to Co op
16/05/2012..Letter from Moorcroft.As we have complied with original request the hold on account has now been removed.Need to discuss repayments
25/06/2012..Letter from Moorcroft.. Possible Litigation.Pay before 29/06 or may recommend legal action
04/07/2012..Letter from Moorcroft..They undersand we're having financial difficulties (no shit Sherlock!!) Please complete I&E form so they can assist or contact CCCS.
07/07/2012..final response UE (CCA Received letter sent)
16/07/2012..Letter from Moorcroft. Clients believe documents meet requirements and balance remains payable. Will not be sending any further documents as meets requirements of section 78
15/08/2012..Letter from Midas Credit Services. We are part of Moorcroft Group. You have failed to reach a repayment agreement. We are now considering recommending legal action by external solicitors
17/08/2012...Threat by creditor to commence litigation letter sent
25/08/2012...Letter from Moorcroft. CCA has been provided in terms with Consumer Credit Act 2006.Account placed on temporary hold to allow time to make arrangement to pay an amount i can afford and maintain

UPDATE

[Pixie]

Re: New and confused

I had heart scans and tests done last year and, although I've got extra heartbeats, they said it was fine.

Keeping my fingers crossed for you

[samsmum]

Re: New and confused

Thanks Pixie. Waiting for appointment to see consultant and get the results. Fingers crossed.
I'll get that letter sent off tomorrow. Thanks again

[Pixie]

Re: New and confused

Oh dear...I hope everything's turned out okay.

I would send Our Templates | Unenforceability Templates | Threat by Creditor - To Commence Litigation to Midas. I wouldn't worry about it...they're just trying the usual scare tactics.

[samsmum]

Re: New and confused

CO-OP LOAN
11/2002
£4900
04/2003
Not paying
arrears
Payments to CO-OP
26/9/11 Termination letter received. Advised to ignore
12/10/11 Account being passed to specialist collections. May default, pass to solicitors etc etc. may negotiate F&f.
13/10/11 CCA request sent
13/10/11 SAR sent
31/10/2011..CCA received Niddy says
03/11/2011..CCA Query Missing prescribed terms
16/11/11..Letter received saying they know i live here and assume i am deliberately avoiding them. Ring to make arrangement or will be passed on for immediate recovery action
16/11/11.. ''SPECIAL OFFER'' letter received offering 50% discount if paid within 10 days
15/12/2011..letter received saying as i'm ignoring them they've made the decision to register the account as in default and pass to a specialist DCA and the Co op will not enter into further discussion regarding the debt
17/12/2011..b/f and closing statement received. interest being added half yearly
18/12/2011.. refusal to accept ue status letter sent
07/01/2012..letter received thanking me for my complaint. Concerns will be investigated by a case handler and outcome sent in writing asap
11/ 01/2012...Letter received from MOORCROFT. Been instructed by Co op. Notice of Intended Litigation
12/01/2012..Threat by creditor..to commence litigation letter sent
20/01/2012..Letter received from Co op stating they have investigated and believe account is enforceable and we are liable, and this is their final response. If we're not happy complain to FOS within six months. Account now with Moorcroft
21/01/2012.. Letter from Moorcroft saying account on hold while they investigate matter with Co op
11/02/2012.. letter from Moorcroft with copy of agreement enclosed. Account on hold for 14 days to allow time to contact them to arrange a repayment plan after which they will commence further action
27/02/2012.. letter from Moorcroft..if i dont contact them following receipt of this letter they may recommend legal action.They go on to tell me a list of court charges
01/03/2012...Letter sent courtesy of Cleverclogs. See post 797
14/03/2012.. letter from Moorcroft saying their clients believe documents sent do meet requirements under setion 78. Go on to explain about Carey v HSBC. Want paying basically
26/03/2012..Letter from Moorcroft. MONTHLY INSTALMENT OFFER. As i haven't contacted them they feel we may not be in a position to clear the account in full.To stop legal proceedings they'll accept £120 per month
27/03/2012..CREDITOR REFUAL TO ACCEPT UE STATUS LETTER SENT
18/04/2012...Letter received from Midas Credit Services. Litigation Warning.Part of the Moorcroft group and aware we've failed to pay.Reviewing account prior to possibly recommending legal action by external solicitors.
18/04/2012.. Enough is enough letter sent
24/04/2012..Letter from Moorcroft. Account on hold while they refer back to Co op
16/05/2012..Letter from Moorcroft.As we have complied with original request the hold on account has now been removed.Need to discuss repayments
25/06/2012..Letter from Moorcroft.. Possible Litigation.Pay before 29/06 or may recommend legal action
04/07/2012..Letter from Moorcroft..They undersand we're having financial difficulties (no shit Sherlock!!) Please complete I&E form so they can assist or contact CCCS.
07/07/2012..final response UE (CCA Received letter sent)
16/07/2012..Letter from Moorcroft. Clients believe documents meet requirements and balance remains payable. Will not be sending any further documents as meets requirements of section 78
15/08/2012..Letter from Midas Credit Services. We are part of Moorcroft Group. You have failed to reach a repayment agreement. We are now considering recommending legal action by external solicitors

UPDATE.
Hi everyone.Hope you're all well. Received our first letter for a few weeks today. Good job as we've had heart scans and other stuff to deal with. Should i respond to this please?

[samsmum]

Re: New and confused

Thanks. I'll do as you bot suggest and ignore