New and confused

[Never-In-Doubt]

Re: New and confused

Yes. It was JD Williams that sent a letter confirming they're both unenforceable. Thanks

Can you please email me one of their letters again where they say your behaviour will not be tolerated..... then I'll sort a suitable response

agreements@all-about-debt.co.uk

Thanks

[samsmum]

Re: New and confused

Will do

[CleverClogs (RIP)]

Re: New and confused

Can you please email me one of their letters again where they say your behaviour will not be tolerated..... then I'll sort a suitable response

Just tell the idiots that, until they apologise appropriately for their last letter, you will withhold their company from the monthly draw of creditors to be paid.

[helmsman]

Re: New and confused

Just tell the idiots that, until they apologise appropriately for their last letter, you will withhold their company from the monthly draw of creditors to be paid.

Oh CC that made me laugh, my late brother always use to say he held all his bills in the air then would drop them, any that floated he would pay.

[samsmum]

Re: New and confused

Oh bugger. Am i supposed to be paying them?? No wonder they're not happy bunnies

[samsmum]

Re: New and confused

Just received a letter from Lowells re Capital One balance £123. Offering me choice of 3 payment plans or 15% discount if i pay in full

[Deepie]

Re: New and confused

Just received a letter from Lowells re Capital One balance £123. Offering me choice of 3 payment plans or 15% discount if i pay in full

juts ignore

[samsmum]

Re: New and confused

Somehow i thought you might say that. Thanks

[CleverClogs (RIP)]

Re: New and confused

Just received a letter from Lowells re Capital One balance £123. Offering me choice of 3 payment plans or 15% discount if i pay in full

That reminds me of the (apocryphal) club which wrote to its members suggesting that they should pay their subscriptions once a year instead of monthly. Owing to the secretary being a poor typist, though, the letter actually read "pay anally".

Some members opted for the once a year payment, others didn't, but one member replied that he would prefer to continue to pay nasally.

[samsmum]

Re: New and confused

That reminds me of the (apocryphal) club which wrote to its members suggesting that they should pay their subscriptions once a year instead of monthly. Owing to the secretary being a poor typist, though, the letter actually read "pay anally".

Some members opted for the once a year payment, others didn't, but one member replied that he would prefer to continue to pay nasally.

I cant say i always understand what goes on in your head but once i've worked it out it always makes me giggle

[samsmum]

Re: New and confused

Right, bear with me (not much we can do now at this time on Friday) - i'll sort you a reply to send back for both accounts, are they both JD Williams related are they?

Hi Niddy. Did you get anywhere with this? Hope ya received the letter from them i e mailed like you asked.

Many thanks

[samsmum]

Re: New and confused

Just received 2 letters from Co op. One says they've had local sources confirm we live here so they assume we're deliberately trying to avoid them. THE DEBT WILL NOT GO AWAY.

2nd letter is titled SPECIAL OFFER. Offering 50% discount if we pay within 10 days

[Pixie]

Re: New and confused

Ignore both because

a) you're not trying to avoid the debt - they haven't produced a compliant cca
b) you don't have 50% of £4900 to pay within 10 days! (do you? )

If you're wondering why I'm answering like this, see the last couple of pages of discussion on this thread

[samsmum]

Re: New and confused

Thanks Pixie. Yep i know what you're saying but i dont understand enough to comment. I'm just so grateful for all the help. Do appreciate a little comment telling me why to ignore though thanks as it still feels a bit like going against what i've always been told. Getting so much easier though.

No much as i would love to take them up on their offer, if i had 2 grand sitting about i wouldn't be in the mess i'm in

[samsmum]

Re: New and confused

Hubby just had a text from the 'local lender'. Just says'' Hi ****,are you sorted yet?''
Had nothing back regarding the CCA yet
'