New and confused

[Never-In-Doubt]

Re: New and confused

Had first contact from Nationwide today regarding overdraft. 1 letter and 5 phone calls. Do i make an agreemement now to stop charges being added or ignore for now?

As Pixie suggests, when you ignore you can then get defaulted thus it'll be gone sooner (from credit files) - however bear in mind yea there may well be charges, but easy enough to whip up a reclaim and make a F&F anyway (once defaulted/sold on)....

But ultimately it is up to you....

[samsmum]

Re: New and confused

Thanks both. Think ignoring should be easy enough given all the other dramas going on this week so that's the plan til the lottery win comes in.

[helmsman]

Re: New and confused

Thanks both. Think ignoring should be easy enough given all the other dramas going on this week so that's the plan til the lottery win comes in.

Hi,
My numbers came up on the euro millions Tuesday £2.80 I am struggling to know what to buy.

[samsmum]

Re: New and confused

Well if that was me i'd obviously pay it off my highest interest debt first. Or buy a loaf of bread. Decisions decisions eh??

[Never-In-Doubt]

Re: New and confused

Well if that was me i'd obviously pay it off my highest interest debt first. Or buy a loaf of bread. Decisions decisions eh??

Oh sod food, pay your debts won't you!

* sorry that's the reply you'd have gotten on a certain green n white forum. On here we say.....

Sod the debt, eat - eat like a king!

[garlok]

Re: New and confused

Also from the two tone blue dog forum!

I often wondered why the confused.com advert on the telly was disturbing. The colour scheme is the same as the dog site Two tone bloody blue!

regards
Garlok

[samsmum]

Re: New and confused

Hi all,
Just received a letter re Capital One. Balance£123 from Hamptons saying after repetedly not paying, Red Debt (never heard of or from them)have instructed them to collect the balance from Lowell. They may prepare for serious action inc a CCJ. Mm doubt that. Is it too soon to make a cheeky F&F offer just to get rid if them or should i just keep ignoring?

[Deepie]

Re: New and confused

Hi all,
Just received a letter re Capital One. Balance£123 from Hamptons saying after repetedly not paying, Red Debt (never heard of or from them)have instructed them to collect the balance from Lowell. They may prepare for serious action inc a CCJ. Mm doubt that. Is it too soon to make a cheeky F&F offer just to get rid if them or should i just keep ignoring?

Just ignore.....

[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

Afternoon. Have i made a boo boo with this one? Sent the CCA request nearly 4 weeks ago and not heard anything. Sent it to Lewis Group though. Should it have gone to HSBC?

[swanfan]

Re: New and confused

You send it to whoever is chasing the account at the time.

[samsmum]

Re: New and confused

That's ok then. Phew. And cos i've not heard do i just leave it or send anything else?

[swanfan]

Re: New and confused

Nooo, just leave it. They're in default of your cca request.

[samsmum]

Re: New and confused

Thanks for the quick replies. I've checked they received it so ball's in their court now. Thanks again

[Never-In-Doubt]

Re: New and confused

Hi all,
Just received a letter re Capital One. Balance£123 from Hamptons saying after repetedly not paying, Red Debt (never heard of or from them)have instructed them to collect the balance from Lowell. They may prepare for serious action inc a CCJ. Mm doubt that. Is it too soon to make a cheeky F&F offer just to get rid if them or should i just keep ignoring?

Its such a small debt they would not get a CCJ for it as you'd obviously settle long before it got that far and they know this, however tough - just ignore them!

[CleverClogs (RIP)]

Re: New and confused

I've checked they received it so ball's in their court now.

Do they only have the one ball between them?