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  • #181
    Re: New and confused

    samsmum, don't let these idiots make you feel like that in your own home.

    As in 2 deep says, more often than not they are just empty threats and they don't turn up; but even if they do, just treat them like you would a door-to-door salesperson - ignore them or tell them to go away and shut the door.

    They have no power, none, ditto, diddly squat! They cannot come into your home (well unless you wanted to invite them in and provide afternoon tea). They are just chancers - please remember that and you'll be fine
    If happy little bluebirds fly, beyond the rainbow, why, oh why can't I?

    sigpic

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    • #182
      Re: New and confused

      Or neither!! As you both say just empty threats and scare tactics. Wont be worrying myself next time that's for sure .Thanks

      Comment

      • #183
        Re: New and confused

        Thanks Diddlydee. Whilst i do still take our debts seriously thanks to the support on here i now realise that they dont make me a bad person and i dont need to feel ashamed. Spent enough years thinking that way. Would've carried on chipping away at the debts but circumstances change and the way i deal with them and think about them has to change too. My opinion of dca's etc has certainly changed!!

        Comment

        • #184
          Re: New and confused

          Just a general comment samsmum for others reading if you don't mind. I always send a "doorstep" letter to the perpetrator the moment it is mentioned in any correspondence. This shuts off completely ANY legal excuse for them to come to your door. If they do come then it is they who have infringed the law and committed the Tort of Trespass for which you are entitled to financial redress. You won't get that easily but legally puts you in the driving seat. Their implied licence to visit under Common Law has been revoked. End of. Have a suitably doctored copy behind your front door to give to any unfortunate who comes, give it to them, and slam the door in their faces. They must leave your property with all haste.

          Garlok

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          • #185
            Re: New and confused

            Cheers for that Garlock. Niddy advised me to send one off on Monday but wasn't sure it would get there as they didn't give me much notice. Like your idea of keeping a copy handy. All these tips and tools give me a bit of confidence in dealing with all this. Never thought i'd stick it out to be honest so surprised myself. Their 2 debts are UE as well so all good.

            Thanks again
            Samsmum

            Comment

            • #186
              Re: New and confused

              If I can stick it out anyone can!!
              Let your smile change the world but don't let the world change your smile

              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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              • #187
                Re: New and confused

                Morning all. Very quiet weekend. No calls at all. Just received call,e mail and text from Quickquid saying my account is in default and i'm at risk of continued collections and loss of my silver status!! They've even put a sad smilie on for me. How sweet?? God knows how much i owe now with all the charges but i still ignore yeh??

                Comment

                • #188
                  Re: New and confused

                  Yeah I'd still ignore.

                  What a shame that you'll lose your silver status!
                  Let your smile change the world but don't let the world change your smile

                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                  Comment

                  • #189
                    Re: New and confused

                    I know i'm gutted!!

                    Comment

                    • #190
                      Re: New and confused

                      Just received a letter from co op regarding our loan being passed onto the Risk,Investigation and Specialist Collection Dept. Posh eh??Says they may do lots of things but also offering a reduction. Should i send CCA request now please

                      Comment

                      • #191
                        Re: New and confused

                        Originally posted by samsmum View Post
                        Just received a letter from co op regarding our loan being passed onto the Risk,Investigation and Specialist Collection Dept. Posh eh??Says they may do lots of things but also offering a reduction. Should i send CCA request now please
                        Bit of background please on this
                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment

                        • #192
                          Re: New and confused

                          Back tracking, Co-op is a fixed term loan, yes? dates back to Nov 2002, yes? terminated by them Sept 2011 yes?. Dmp for, stopped paying and not heard for "years, yes?

                          Right, this will be a regulated agreement and as they want to play hardball send this:-

                          Unenforceability Templates - Section 1
                          Attach a £1 postal order, sign nothing.

                          Was there ever a default notice under section 87(1) of thre CCA1974. The commencement date gives you the protection of section127/s61 of the Act. you say not heard anyhting for "years". To keep the account alive they have to send at the very least an anuual statement of account to your last known address. The dN will hgave to be fully compliant and they cannot terminate on a defective or no DN. They are in default until they do issue a compliant DN and cannot isue proceedings during this time. They would be foolish to do so.

                          See what they send from the CCA request and they have only 12 + 2 days to respond. Give an extra week and then we can move onto the next phase.

                          Garlok
                          Last edited by AAD-LinkEditor; 3 January 2012, 03:16. Reason: link replacement

                          Comment

                          • #193
                            Re: New and confused

                            The link is here ---> CCA Request
                            Thanks Garlok
                            Last edited by AAD-LinkEditor; 3 January 2012, 03:18. Reason: link replacement
                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment

                            • #194
                              Re: New and confused

                              Yes that's all correct. £5000 loan taken out in 2003 with £2,654 interest and £1,188 ppi added. Now owe £4,100. Stopped paying a couple of months ago after 8 years on dmp. No default showing and never receive statements from them

                              Comment

                              • #195
                                Re: New and confused

                                As it's a joint loan do i send one cca request for us both or one each please?

                                Comment

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