New and confused

[samsmum]

Re: New and confused

OK will do thanks. Getting good at this ignoring thing now!

[Never-In-Doubt]

Re: New and confused

Hiya. Can you just tell what to do about our overdraft please cos i believe they're a a bit different. Its our old bank account and the limit is £800. It was just under but today they've added the monthly interest charges which takes it just over. Should i start making payments to stop further charges or still ignore it. Thanks

Obviously an OD is CCA Exempt in the "traditional circumstances" so eventually you need to consider repayment or blagging it and holding out for statute barred (ie 6 years) - so if it's easier for you to pay into it then do so, if not be prepared they will add charges etc onto it, but usually we say let it default then make a F&F offer with the DCA for around 10-25% of the actual balance so really, yea it's best to ignore OD demands.

For the small balance anyway, they're not likely to risk taking it formal.

[samsmum]

Re: New and confused

Can i just check a couple of things to make sure i'm still on track please.

Had no response re CCA requests sent to MBNA on 09/09.

Re Co op loan. I've got original agreement and was sold PPI on this. £1,118. Also do i need to send CCA to them and Metropolitan (HSBC LOAN) who i've still not heard from since we cancelled th dmp. In fact i never hear from them. Must be at least 3 or 4 years

[Deepie]

Re: New and confused

Can i just check a couple of things to make sure i'm still on track please.

Had no response re CCA requests sent to MBNA on 09/09.

Re Co op loan. I've got original agreement and was sold PPI on this. £1,118. Also do i need to send CCA to them and Metropolitan (HSBC LOAN) who i've still not heard from since we cancelled th dmp. In fact i never hear from them. Must be at least 3 or 4 years

MBNA just leave till they get in contact
Co op HSBC is this 2 loans , when did you stop paying DMP ?

[samsmum]

Re: New and confused

No it's just one loan. We borrowed £5,000. Insurance was £1,118. We now owe £4,100ish. We were on the dmp 8 years and stopped paying about 3 months ago intending to br until we found this site

[Deepie]

Re: New and confused

No it's just one loan. We borrowed £5,000. Insurance was £1,118. We now owe £4,100ish. We were on the dmp 8 years and stopped paying about 3 months ago intending to br until we found this site

Just ignore for now if anybody contacts you we can always send CCA request

[samsmum]

Re: New and confused

Sorry misread that. 2 loans. Co op loan is the one i've got original agreement for and have received a termination notice for this week, HSBC, now with Metropolitan, i've not heard from for years,not even a statement. I'll continue to ignore all for now then. Thanks

[samsmum]

Re: New and confused

Oh god. Got my CCA's back from MBNA Got to try and remember how to send them. Fingers crossed

[samsmum]

Re: New and confused

All done i think. Not too hopeful on these but we'll see. Can i send the conact by mail only letters to stop QQ AND Ambrose Wilson ringing all the time or is that just wishful thinking?

[Deepie]

Re: New and confused

All done i think. Not too hopeful on these but we'll see. Can i send the conact by mail only letters to stop QQ AND Ambrose Wilson ringing all the time or is that just wishful thinking?

Send them this ---> Harassment by Telephone

[Deepie]

Re: New and confused

All done i think. Not too hopeful on these but we'll see. Can i send the conact by mail only letters to stop QQ AND Ambrose Wilson ringing all the time or is that just wishful thinking?

Have you see this may be of interest > http://forums.all-about-debt.co.uk/s...35&postcount=1

[samsmum]

Re: New and confused

Sounds interesting especially as i'll find out this week if i need another operation. Really could do with making life as stress free as possible at the minute. Will they delete old numbers tho or just revert back to them? Mind you they're not getting any response at all at the minute so guess not. Yep sounds good to me. Thanks

[Never-In-Doubt]

Re: New and confused

Oh god. Got my CCA's back from MBNA Got to try and remember how to send them. Fingers crossed

This is totally unenforceable - they've only sent a copy of an application, no terms or anything - they will probably make a recon, but as things stand - this is

Respond with: ---> CCA Query - Application Form Received

Well done

[Never-In-Doubt]

Re: New and confused

Sounds interesting especially as i'll find out this week if i need another operation. Really could do with making life as stress free as possible at the minute. Will they delete old numbers tho or just revert back to them? Mind you they're not getting any response at all at the minute so guess not. Yep sounds good to me. Thanks

With our system, they'll be able to leave a message ergo they cannot remove it again and revert back as they are not being ignored - if they did that we'd get them, that'd be a breach as they cannot just change numbers to suit.......

Point is, you give them one of our numbers and then we'll forward messages to you with a suggestion of how to respond, thus you'll just omit the possibility of ALL calls......

[samsmum]

Re: New and confused

Niddy, you've made an old-ish lady very happy. 4 debts unenforceable!! Thank you,thank you thank you!!