New and confused

[Spud]

Re: New and confused

Jeez ! Terrible thing to happen, glad he's alright, and he did the right thing by not trying to confront the guy, life is cheap to these low life cretins and they are capable of anything especially if drugged up or just plain bad, although if it happened to me I'm not sure I could practice what I preach... given the chance I would beat them to within an inch of their miserable lives....

So true on many fronts. But you hit the nail on the head in summing it up

Samsmum,

Reading your posts and hoping that it starts to turn the corner for you soon....You deserve it - Glad Hubby was unharmed

[alland]

Re: New and confused

Here's the reminder,sorry it's late. Another day another drama. Hubby got carjacked at traffic lights last night and forced to drive 40 miles til the guy fell asleep and he could ring the police. Trying not to be paranoid but some ******* has really got it in for us this year

Jeez ! Terrible thing to happen, glad he's alright, and he did the right thing by not trying to confront the guy, life is cheap to these low life cretins and they are capable of anything especially if drugged up or just plain bad, although if it happened to me I'm not sure I could practice what I preach... given the chance I would beat them to within an inch of their miserable lives....

[fluffystuff]

Re: New and confused

Here's the reminder,sorry it's late. Another day another drama. Hubby got carjacked at traffic lights last night and forced to drive 40 miles til the guy fell asleep and he could ring the police. Trying not to be paranoid but some ******* has really got it in for us this year

Sorry to read this Samsmum, at least he wasn't hurt; scant comfort I know but things have to get better soon, you've had more than your fair share!

[SA Gold]

Re: New and confused

Hubby got carjacked at traffic lights last night and forced to drive 40 miles til the guy fell asleep and he could ring the police. Trying not to be paranoid but some ******* has really got it in for us this year

That's awful! I hope he feels better once the shock dies down. Is his description known to the police?

[garlok]

Re: New and confused

Terrible business Samsmum. Hope he settles down a bit now and things work out. Howver I think we ought to start a club. This year we thought was going to be better has had its large sized hob nail boots on as well. However the company here is good and the support is good so we will get by, all of us!

regards
G

[samsmum]

Re: New and confused

Yes it is Niddy

He's ok thank god, just shook up and now angry with himself for not doing more. Think he did exactly the right thing tho!

[Pixie]

Re: New and confused

Here's the reminder,sorry it's late. Another day another drama. Hubby got carjacked at traffic lights last night and forced to drive 40 miles til the guy fell asleep and he could ring the police. Trying not to be paranoid but some ******* has really got it in for us this year

Sorry to hear about that. Hope he's okay

I'm another one who feels that some ****** has got it in for me this year...it just seems to be one thing after another

[Never-In-Doubt]

Re: New and confused

OVERDRAFT with Nationwide B/S
2008
£800
NOT PAYING
Last interest paid 06/08/2011 now changed bank acc
Default date:14/02/2012
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
20/04/2013.. Letter received from Nationwide saying account has now been passed to ARC
29/04/2013... Letter received from Arc.We wish to make it quite clear that unless a substantial payment is received in ten days along with a firm offer to clear the balance we may pass account to solicitors to prepare court proceedings
01/05/2013... Sold in dispute letter sent
13/05/2013...Letter from Arc. Disappointed etc.On the instructions of our client we can now take steps to prepare a county court claim. A claim will be prepared 10 days after the date of this letter
14/05/2013...CCA Request sent
06/06/2013.....letter from Arc. All required documents have previously been sent. Not obliged to send copy of cca as it was an overdraft. Provide details of our finances within 30 days or they will obtain further instructions
10/07/2013.... letter from Arc.Balance remains outstanding.A County Court Claim.has now been prepared against you and can be issued in NorthamptonCounty Court. If this matter is passed to our solicitors for issue costs will be added.If you are in real financial difficulty call us and we will consider your situation.
08/08/2013....Letter from Arc.We have conducted a search with Land Registry and understand you own your property. Next course of action may be to issue a court claim and obtain a charging order.However even at this late stage our client will give you a final opportunity tosettle before court. We can offer a substantial discount in next 14 days

Update

Hiya

Just realised this - is this an overdraft that commenced in 2008? Can you clarify...?

[Never-In-Doubt]

Re: New and confused



nightmare. Is he ok?

leave it with me

[samsmum]

Re: New and confused

Hold fire. I'll sort you a reply in morning. Just remind me if I forget

Here's the reminder,sorry it's late. Another day another drama. Hubby got carjacked at traffic lights last night and forced to drive 40 miles til the guy fell asleep and he could ring the police. Trying not to be paranoid but some ******* has really got it in for us this year

[samsmum]

Re: New and confused

CCA reply(part2) was sent on 08/07
Letter before action with one liner re them ignoring above sent on12/07
Sorry diary updated now

[Never-In-Doubt]

Re: New and confused

Have YOU ever replied to Arc? They've been writing since June

[Never-In-Doubt]

Re: New and confused

Hold fire. I'll sort you a reply in morning. Just remind me if I forget

[samsmum]

Re: New and confused

OVERDRAFT with Nationwide B/S
2008
£800
NOT PAYING
Last interest paid 06/08/2011 now changed bank acc
Default date:14/02/2012
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
20/04/2013.. Letter received from Nationwide saying account has now been passed to ARC
29/04/2013... Letter received from Arc.We wish to make it quite clear that unless a substantial payment is received in ten days along with a firm offer to clear the balance we may pass account to solicitors to prepare court proceedings
01/05/2013... Sold in dispute letter sent
13/05/2013...Letter from Arc. Disappointed etc.On the instructions of our client we can now take steps to prepare a county court claim. A claim will be prepared 10 days after the date of this letter
14/05/2013...CCA Request sent
06/06/2013.....letter from Arc. All required documents have previously been sent. Not obliged to send copy of cca as it was an overdraft. Provide details of our finances within 30 days or they will obtain further instructions
10/07/2013.... letter from Arc.Balance remains outstanding.A County Court Claim.has now been prepared against you and can be issued in NorthamptonCounty Court. If this matter is passed to our solicitors for issue costs will be added.If you are in real financial difficulty call us and we will consider your situation.
08/08/2013....Letter from Arc.We have conducted a search with Land Registry and understand you own your property. Next course of action may be to issue a court claim and obtain a charging order.However even at this late stage our client will give you a final opportunity tosettle before court. We can offer a substantial discount in next 14 days

Update

[Never-In-Doubt]

Re: New and confused

Excellent. They usually remove the DN as well