New and confused

[Inca]

Re: New and confused

Sometimes ,it's just a bloody relief when the inevitable happens and our hand is forced..As long as you and your family have a roof over your heads and food on the table that's all that matters.....
Fair play to you for coming through it still standing

[Spent2much]

Re: New and confused

Hi. Been a long time i know.Hope everyone's ok. Had a very black period but time to put it behind me and move on. Since i was last on here we've had the house repossessed and are now living in a much cheaper but ok rented property. Not heard much from most of our creditors,just Nationwide o/d and Quickquid which keep sending letters from different collectors. We also have a mortgage shortfall of £12,500 and a secured loan of £8,000 chasing us. Good to be back. Have looked in many times but only just plucked up the courage to return

welcome back glad you are okay )

[PlanB]

Re: New and confused

We also have a mortgage shortfall of £12,500 and a secured loan of £8,000 chasing us. Good to be back. Have looked in many times but only just plucked up the courage to return

Well it's good to have you back amongst us so we can help you to clear up the debris

[samsmum]

Re: New and confused

We missed a payment and it went donhill from there. We're actually relieved tho that its all over in a way

[PlanB]

Re: New and confused

Since i was last on here we've had the house repossessed

How did that happen? It was all going so well with your lender placing you on interest only until June this year

The good news however is that we received a letter today from Nram and they have either had a change of heart or made a mistake and allowed us to pay interest only until June 30th 2014. This now makes it affordable for almost a year and gives us some breathing space.

[samsmum]

Re: New and confused

Hi. Been a long time i know.Hope everyone's ok. Had a very black period but time to put it behind me and move on. Since i was last on here we've had the house repossessed and are now living in a much cheaper but ok rented property. Not heard much from most of our creditors,just Nationwide o/d and Quickquid which keep sending letters from different collectors. We also have a mortgage shortfall of £12,500 and a secured loan of £8,000 chasing us. Good to be back. Have looked in many times but only just plucked up the courage to return

[Never-In-Doubt]

Re: New and confused

Hi - are you still with us?

Hope everything's ok......

[Never-In-Doubt]

Re: New and confused

I'd probably ignore it for now - especially based on the delay in my replying (soreeeee)....

[samsmum]

Re: New and confused

Hiya. Sorry for the delay. I'm not 100% certain as its had that many reference numbers that it's hard to match up, but according to the statements i do have 3 accounts we had with co-op were paid in full on our dmp. The only outstanding one is the larger loan that we are aware of.

[Never-In-Doubt]

Re: New and confused

I haven't sent one for this account.As far as we were aware it was paid off when we were on the dmp. First we heard saying it was still owed was in January.Should i get one sent off?

Hi

its paid off is it?

[samsmum]

Re: New and confused

I haven't sent one for this account.As far as we were aware it was paid off when we were on the dmp. First we heard saying it was still owed was in January.Should i get one sent off?

[Never-In-Doubt]

Re: New and confused

When did you do a s.78 (cca request)?

[samsmum]

Re: New and confused

Received a letter from Co op today giving notice of assignment to Lowells. This was originally a debt for £900 in 2003 when we went on a dmp ne 2011with CCCS,as it was then, until 2011. I've not got all the statememnts but the account went to Frederickson's in 2009 along with 2 other small accounts. According to my dmp staments all accounts had a zero balance when we stopped paying it. The accompanying letter from Lowells today states that before selling the account,Co op have checked their records and there is no reson the account should remain unpaid.Can you advise me please?

8/2/13..Letter from Lowells stating last paypent was for £121 in Nov 2011. Need to prove its been settled. Confused as we would only have paid £10pm at most when on dmp and we stopped paying in June 2011
23/3/13Letter from Lowells...as we are unwilling to pay they will obtain copy of credit file and possibly work details
08/06/13..Passed to Fredericksons
20/06/13 Letter from Freds. Do not ignore!
28/06/13..Letter before action received
5/7/13..Letter from Bryan Carters..Pay within 14 days or will recommend clients issue proceedings without further notice
19/7/13..Letter from Lowells. Despite letter from Bryan Carter still not paid. One last chance before they issuing a claim. Prepared to accept a f&f settlement if we ring within 48 hours

Sorry. This one

[Never-In-Doubt]

Re: New and confused

Which account?

[samsmum]

Re: New and confused

13/09/2013.....Letter from Bryan Carter. We have been instructed by Frederickson on behalf of Lowell to issue court proceedings on 25th September. Contact us if you wish to avoid going to court. This matter has now reached a critcal stage and you may want to take legal advice

Update