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Re: New and confused
Good luck - keep us updated yea?
Good luck - keep us updated yea?
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I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!
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Re: New and confused
Will do and thanks again
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Re: New and confused
Can i just check if now is the right time to query the interest charged . During the 8 years we were with CCCS we were charged £7,943 and £3,276 was refunded to the account,meaning we paid £4,667 when we thought it was frozen. I pm'd Di as suggested regards PPI but most of that was refunded.Originally posted by samsmum View PostCO-OP LOAN
11/2002
£4900
04/2003
Not paying
arrears
Payments to CO-OP
26/9/11 Termination letter received. Advised to ignore
12/10/11 Account being passed to specialist collections. May default, pass to solicitors etc etc. may negotiate F&f.
13/10/11 CCA request sent
13/10/11 SAR sent
31/10/2011..CCA received Niddy says
03/11/2011..CCA Query Missing prescribed terms
16/11/11..Letter received saying they know i live here and assume i am deliberately avoiding them. Ring to make arrangement or will be passed on for immediate recovery action
16/11/11.. ''SPECIAL OFFER'' letter received offering 50% discount if paid within 10 daysComment
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Re: New and confused
I'm not sure about querying the interest but, as it's UE, why bother?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
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Re: New and confused
Could the OP enforce a repayment of interest on mis-sold PPI?Originally posted by Pixie View PostComment
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Re: New and confused
Hi Pixie. Yeah you're right. Guess old habits die hard. Just feeling stressed,weepy and fragile about it all at the minute and doubting my own strength in doing this. Does the phone ever stop or do i go on a dmp for the the next 100 years just to shut them up. I know the answer really just having a tough week
Or maybe i'm just a mardy cow!!!!Last edited by samsmum; 29 November 2011, 12:20.Comment
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Re: New and confused
Aaw! Hugs to you samsmum
The run-up to Christmas doesn't help either does it?
Why don't you change your number or use the free number provided by Niddy? Free Number to Issue Creditors - allaboutFORUMS
I cancelled my landline last December and feel so much better not getting 100s of calls.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
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Re: New and confused
Yeah think i'll look into it. Contract runs out on my mobile in a couple of weeks so gonna change my number on that too which will help.Comment
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Re: New and confused
No, leave it for now - as it's UE only do this if they decide on court...... you'd then need to do a full reclaim but right now, just leave it.Originally posted by samsmum View Post
I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!
If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.ukComment
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Re: New and confused
Ok thanks,will do
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Re: New and confused
OK samsmum, keep your pecker up you have support here! the strength you have to see this through is not only your own it is the collective strength of everyone here.
On the phone front, we learned to have fun with them in the end and on the mobile front, best thing we did when the contracts came for renewal with Vodaphone was ditch 'em completely. Went to Morrisons and bought a couple of pay as you go basic phones, one 15 quid the other 13 quid and evry time we top up which is not often they give us another 100minutes free for the next month. We don't use them a lot and it has saved us pounds and pounds.
regards
GarlokComment
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Re: New and confused
Thanks so much Garlok. Much as i know the supports there it's good to hear it. MRI and other tests so crappy time this week. Sure it'll be fine but bit claustra-whatsit so be glad when it's over.
Phone -wise i was thinking exactly that. Do use it a lot but only for basics so dont need an all singing all dancing phone. Long as it phones and texts and i can see the buttons a cheap one'll do fine. Might just get a PAYG sim for mine. Should last me a bit longerComment
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Re: New and confused
Exactly our take on the phone thing as well. Just need the basics to speak and communicate.
regards
GarlokComment
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Re: New and confused
Same here!
I'm on the O2 SIM only contract (£15 a month)using my old phone. It's fine for me.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
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Re: New and confused
Been advised to visit here, will look around, see some familiar names so far.
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
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