New and confused

[swanfan]

Re: New and confused

Update. Can you advise me on this please. Way way over my head

I'd email that to Niddy, let him see it.

[samsmum]

Re: New and confused

HSBC LOAN
09/2001
£5600
04/2003
Not paying
Default 08/2004
Payments to Metropolitan
14/10/2011.. Letter fromLewis Group acting for CL finance. Says no payment received sinc 22nd June and to contact them.
14/10/2011..CCA Request sent
09/12/2011..letter received saying they cannot accept my monthly payment offer without I&E evidence. Haven't made an offer
12/12/2011..CCA Reminder-Unenforceability Threat letter sent
30/12/2011..letter saying they acknowledge receipt of CCA request but are agents not creditor(CL Finance).Agreement was terminated prior to court proceedings and entry of a ccj on 5/10/2009 therefore effect of section 78 is no longer applicable and judgement can be enforced if payments not made in accordance with judgement. Send proposals for payment. First we've heard of this and was on a dmp with cccs at the time
02/01/2012...found letter from Northampton court dated 05/06/10 stating this was cancelled as entered erroniously
03/01/2012..sent letter to Lewis group stating i have documentary evidence to prove ccj does not exist
23/02/2012..letter from Lewis group. Sorry to hear of financial difficuties and will accept £1per month til situation improves
09/03/2012..Letter from Lewis group. Further to previous letter in which they accepted a reduced payment???. Payment not received as agreed and is required immediately.
22/03/2012..Letter from Lewis...Despite writing on 2 occasions they've received no payment or proposals for payment.Cannot hold account open unless we contact them or Debt Stop Direct?? Please remember they are there to help!!
10/04/2012...Letter from Howard Cohen solicitors. Says we've already been advised that judgement was obtained against us. Failed to maintain payments under instalment order instructed by court. Pay arrears of £2220 to Lewis IMMEDIATELY or they will instruct the court to either send bailiffs or apply for an attachment of earnings. After payment of arrears next payment of £125 is due by 19th April
11/04/2012..Letter sent to Cohens with evidence ccj was set aside
13/04/2012...Letter from Cohens confirming they misread records and CCJ was set aside and apologising for content of letter. Furthermore the cca request we sent only applies to running-credit accounts. Our account has not been a running-credit account since 2003 therefore s78 does not apply. Debt still needs paying or will seek clients instructions re recovery action.
18/04/2012..Niddy special(post1126)sent
04/05/2012..Letter from Cohens. We have already apologised. However we again confirm the provision under Section 78 of Consumer Credit Act 1974 ''CCA''is quite clear that it refers to running-credit Agreements only.Furthermore, we also respectfully refer to the reported Case Law of:-Basil Rankine v American Express and others in High Court of Justice,Birmingham District Registry 8BM40009-13.The said case confirms the position for Creditors and their s.78 CCA duties in respect of Credit Agreements which have reached their end. We trust this clarifies the position

Update. Can you advise me on this please. Way way over my head

[samsmum]

Re: New and confused

It's cold damp and miserable. Can't believe we put the heating on in May. Mmm,paydayloans. Why did i never think of that???.
Sure it's not a good idea in the long run but NRAM have let us go on interest only for a year so will help us til i can get back to work. Hope you enjoy your hols

[ScabHunter]

Re: New and confused

03/05/2012..Letter from Mc Hall. Potential Action.As i'm avoiding paying they may recommend court action to clients

Note the words in bold.

Muck Hall = hot air.

Actually, I could do with some hot air down here. We're four days into my favourite month of the year and it feels like mid winter. I'm going on holiday for a couple of days next week - think I'll have to take out a Payday loan to get some more thermal underwear.

Are the brass monkeys freezing up in Linconshire?

Anyway, don't worry about the threat monkeys in Kilmarnock whether they're frozen or not. Inside their heads you wouldn't notice the difference.

SH

[samsmum]

Re: New and confused

No!! You've no need to be scared.

Normally, I'd say to send Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action but, with it being a payday loan (not sure about them) and you not having written to them before, I'd wait until Niddy comes along.

A few days doesn't matter and it's not very likely they'll take you to court for £400.

Okey dokey. Will do thanks. More worried about the physio i'm just off to see

[Pixie]

Re: New and confused

I got the doorstep letter 25th March and he told me to ignore it,stand firm and not get scared. Should i be now?

No!! You've no need to be scared.

Normally, I'd say to send Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action but, with it being a payday loan (not sure about them) and you not having written to them before, I'd wait until Niddy comes along.

A few days doesn't matter and it's not very likely they'll take you to court for £400.

[samsmum]

Re: New and confused

What did Niddy say about this one?

I got the doorstep letter 25th March and he told me to ignore it,stand firm and not get scared. Should i be now?

[Pixie]

Re: New and confused

What did Niddy say about this one?

[samsmum]

Re: New and confused

Morning Pixie. I've not sent them anything. Should i?

[Pixie]

Re: New and confused

What letters have you sent to Mackenzie Hall?

[samsmum]

Re: New and confused

PAYDAY LOAN
07/2011
£420
DUE ON FRI 09/09/2011
25/09/2011..First Notice letter received
19/10/2011..Second Notice letter received
17/11/201..E mail received. Tells me i'm a valued customer and they want to help. 26 days to pay or they will consider further action. Cant renew my loan until sorted???
12/12/2011..Email received. 2 days to pay else they'll take it as a refusal to pay and pass to third party. I am however still a valued customer!!
20/12/2011..email received offering me 50% discount if paid by 23rd Dec
29/02/2012..Letter from Mackenzie Hall. Instructed to collect. Payment deadline noon 2nd March. Would prefer amicable settlement but will not hesitate to take further action as appropriate
25/03/2012..Letter from Mackenzie Hall. Coming to assess my doorstep and collect the field or may advise clients to issue a ccj,Niddy says ignore
05/04/2012..Email from Mackenzie Hall..Our clients have 3 offers to resolve outstanding account. One off payment of £280,3 payments of £115(£345) or 6 payments of £72 (432). Balance is £432!! IGNORE
13/04/2012... Letter from Mackenzie Hall offering reduced settlement of £280. Same as last week IGNORE
30/04/2012...E mail from Mc Hall says...we have been supplied this address to contact you. If you are this person ring..whereupon further detailed information can be provided
03/05/2012..Letter from Mc Hall. Potential Action.As i'm avoiding paying they may recommend court action to clients

UPDATE

[ScabHunter]

Re: New and confused

30/04/2012...E mail from Mc Hall says...we have been supplied this address to contact you. If you are this person ring..whereupon further detailed information can be provided

You gotta be <something> kidding me.

What you need here is something like Mailwasher which sends back an error report on this type of spam. Makes them think (if anyone at Muck Hall is capable of thinking) that the address is no longer active.

Note they are trying to get you to use their favourite toy again. They must think we're cretins. Sorry, Mucky Hall, if you want to find cretins you're going to have to look in the mirror.

This lot really are useless, right at the bottom of the DCA food chain.

SH

[Deepie]

Re: New and confused

Update

.....................

[samsmum]

Re: New and confused

PAYDAY LOAN
07/2011
£420
DUE ON FRI 09/09/2011
25/09/2011..First Notice letter received
19/10/2011..Second Notice letter received
17/11/201..E mail received. Tells me i'm a valued customer and they want to help. 26 days to pay or they will consider further action. Cant renew my loan until sorted???
12/12/2011..Email received. 2 days to pay else they'll take it as a refusal to pay and pass to third party. I am however still a valued customer!!
20/12/2011..email received offering me 50% discount if paid by 23rd Dec
29/02/2012..Letter from Mackenzie Hall. Instructed to collect. Payment deadline noon 2nd March. Would prefer amicable settlement but will not hesitate to take further action as appropriate
25/03/2012..Letter from Mackenzie Hall. Coming to assess my doorstep and collect the field or may advise clients to issue a ccj,Niddy says ignore
05/04/2012..Email from Mackenzie Hall..Our clients have 3 offers to resolve outstanding account. One off payment of £280,3 payments of £115(£345) or 6 payments of £72 (432). Balance is £432!! IGNORE
13/04/2012... Letter from Mackenzie Hall offering reduced settlement of £280. Same as last week IGNORE
30/04/2012...E mail from Mc Hall says...we have been supplied this address to contact you. If you are this person ring..whereupon further detailed information can be provided

Update

[samsmum]

Re: New and confused

MBNA C/C
09/09/2000
£1360
04/2003
Not paying
arrears

Debt Clear recoveries(as from yesterday)

09/09/2011 CCA Request sent
02/10/2011 'CCA' recieved. Niddy says
03/10/2011 CCA query,application form received letter sent
23/01/2012..Notice of assignment from Global. Account now managed by Westcott
04/04/2012.. Letter from Fairfax solicitors. Been instructed by Arrow Global to obtain immediate payment. If not paid by April 8th they've been instructed to take further action
13/04/2012... DrydensFairfax solicitors..making us aware of potential serious consequences of not paying ie CCJ
14/04/2012..Threat-o-gram letter before action sent
30/04/2012..Letter from Drydens fairfax. Account placed on temporary hold while they contact clients

UPDATE