New and confused

[samsmum]

Re: New and confused

Thanks for the reply Dopey. Just thinking aloud here and not really thought things through properly but after the last couple of weeks we're just needing stress limitation and debating whether to offer minimum payments or go on a dmp again. Jeez, is indecision part of getting older?? Can't make a decision on the smallest things lately never mind the big stuff. Just want to do the right thing but not feeling very strong at the minute.

[MrsD]

Re: New and confused

mmm I might be tempted to send a only contact me in writing to Bryan Carter, then they have a perfect opportunity to give you details of what they are prepared to accept, and it keeps the lines of communication open. You don't want to be hassled into court with this one, and it isn't too much money so not really worth their time to whack you into court, but you have to be careful. So if are too pernickety, you might just piss them off enough to give up and pass it on. Carefully is the watchword here.

[samsmum]

Re: New and confused

It doesn't give a figure, just says contact them to discuss payment options available

[ScabHunter]

Re: New and confused

With it being an overdraft i'm guessing i will have to pay at some point

Possibly, but I wouldn't be in too much of a hurry to do that, as the fact they have made a reduced settlement offer suggests they are not entirely keen to litigate. How reduced is the reduced settlement figure?

I don't think the offer itself will require a response but obviously the legal threats will.

SH

[samsmum]

Re: New and confused

OVERDRAFT with Nationwide B/S
2008
£800
NOT PAYING
Last interest paid 06/08/2011 now changed bank acc
13/12/2011..Letter received. Pay up or will register a default notice'and instruct KPR to collect and could commence legal action
04/01/2012..Default notice issued on 31/12/2011. Balance £841
24/01/2012..Pre-debt collection notice received. If i dont pay as required by DN they will instruct KPR to recover full balance.Could involve legal action. KPR is the business name of Nationwide
17/02/2012..Letter from KPR. Formal Demand for Payment. Nationwide have passed the account over to recover debt.Committed to being fair and reasonable so contact to make arrangement to pay. Nationwide is considering ccj or decree. Would then enforce the judgement by charging order,attachment of earnings etc.alternatively account may be passed to external debt collectors
02/03/2012..letter from KPR. Offering me the opportunity to pay a significantly reduced one off discounted sum.Benefits .. no CCJ,no legal costs,will improve future credit rating and account will be closed and remaining balance written off. To take advantage ring immediately to discuss what discount is available. Offer only open for 7 days.
16/03 2012...Letter from KPR. I've failed to respond and they cannot allow this to continue. My debt has now become a priority. Must call within 7 days to make an acceptable offer to pay
12/04/2012... Letter from Fredericksons to say account has been passed to them Balance £880
19/04/2012...Letter from Freds. Letter before action. Must pay in 7 days or they will take immediate action.List of court fees etc.
20/04/2012..CCA request sent
25/04/2012..Letter from Bryan Carter solicitors re cca. This is a current account partially excluded by section 74 of CCA1974 from the application of Part v of the act. If you require copy statements or current terms you will need to request these from local branch and a fee will need to be provided. Send proposals for payment
27/04/2012..Letter from Bryan Carters. Must pay within 14 days else they'll recommend issuing proceedings without further notice. List of court costs etc
11/05/2012..Letter from Fred's. Despite a letter from Bryan Carter solicitors i've failed to pay. They are prepared to offer one final opportunity to pay before recommending client instructs solicitors to issue a claim. At this late stage prepared to accept a f&f provided i contact them within 48 hours
06/06/2012..Letter from Bryan Carter solicitors..Final Notice. May be referred for court proceedings. Now reached critical stage and i may wish to obtain independant legal advice
30/06/2012..Letter from Bryan Carters. Final settlement offer. Instructed to offer reduced settlement figure ,available for 14 days after which full balance will become due

UPDATE. Should i respond to this please? With it being an overdraft i'm guessing i will have to pay at some point

[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

UPDATE

[jon1965]

Re: New and confused

Funny that, that's what I got until I tild them that QQ had told me the account was closed. But that was last xmas then all of a sudden they started saying they had owned it for ages

[samsmum]

Re: New and confused

The first letter from MH in feb just said they'd been instructed to collect.

[jon1965]

Re: New and confused

Samsmum
Just a thought. When you get time....
No great rush as you will confuse them by asking them to prove it..they are Scottish after all and QQ are American

When you get the letters from MH does it say they own the debt or QQ

Run this past Niddy first but.....
IF it says QQ then why not email them asking
a) how much do you owe and
b) have they sold the account to anyone

I did that and QQ emailed back saying nothing and no they hadn't sold it to anyone. So for me it was job done and go XXXX yourself MH

If MH claim to own the debt i.e it says client MH debt purchase..have you had a letter of assignment?

[jon1965]

Re: New and confused

Oops serves me right for not reading all the posts. I think i am getting a little gung ho seeing as i have nothing to lose. Yes any real threat needs dealing with

[Never-In-Doubt]

Re: New and confused

Samsmum. QQ and MH are idiots. Just ignore for now.

This is for a PDL?

I would send this off (just to be awkward) ---> Our Templates | Harassment & Intimidation Templates | You know nothing of the Debt / Prove It

I wouldn't ignore, not when any pre-legal letter is issued. Always reply with something, if not previously done before.

I know they are shysters and will not do anything but there is always a first time so a simple prove it letter gets them all middled for a while allowing samsmum time to sort herself out again.... we're simply stalling mate.

[jon1965]

Re: New and confused

Samsmum. QQ and MH are idiots. Just ignore for now.

[Never-In-Doubt]

Re: New and confused

Yes it's a pay day loan and after the week we've had it's the least of my worries so i will happily send that off. Thanks

Good luck and best wishes to hubby

[samsmum]

Re: New and confused

Yes it's a pay day loan and after the week we've had it's the least of my worries so i will happily send that off. Thanks

[Never-In-Doubt]

Re: New and confused

UPDATE. Should i continue to ignore please?

This is for a PDL?

I would send this off (just to be awkward) ---> Our Templates | Harassment & Intimidation Templates | You know nothing of the Debt / Prove It