New and confused

[samsmum]

Re: New and confused

They hope that we'll pay up in a moment of weakness i guess. Maybe i should think about paying up as it's Christmas. Goodwill to all men and all that. Thought about it....NO CHANCE!!

Had my MRI yesterday. Ooh not nice. Didn't like that. Results next week. Merry Christmas.

On a positive note, i changed my phone number. Aaahh. bliss

Thanks as always for the replies.

[Pixie]

Re: New and confused

They hope that we'll pay up in a moment of weakness i guess. Maybe i should think about paying up as it's Christmas. Goodwill to all men and all that. Thought about it....NO CHANCE!!

The thing is, there are people out there who will be scared into paying up.

Had my MRI yesterday. Ooh not nice. Didn't like that. Results next week. Merry Christmas.

Good luck with the MRI scan results.

On a positive note, i changed my phone number. Aaahh. bliss

Thanks as always for the replies.

Isn't it great when you no longer get the phone calls. I just smiled at the thought of them getting annoyed because they couldn't get hold of me, though I never answered it anyway.

[IF]

Re: New and confused

SM got my fingers crossed for next week results too xxx

If...x

[swanfan]

Re: New and confused

Good luck with the scan results.

[samsmum]

Re: New and confused

Thanks for the replies and good wishes. Hopefully it will be good news.Seems ridiculous that we want it to show something up so he can re-operate. If not, this is as good as it gets,i'll struggle to get back to work and we'll have to rethink things. We'll worry about that when we know more tho. Fingers crossed. Thanks again

[samsmum]

Re: New and confused

CO-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 days
15/12/2011..letter received saying as i'm ignoring them they've made the decision to register the account as in default and pass to a specialist DCA and the Co op will not enter into further discussion regarding the debt

Bit confused. Received a letter saying amount brought forward on 17th October£4,149 and statement closing balance for same amount. Says interest will accrue on daily outstanding balance and will be debited to account half yearly.

[garlok]

Re: New and confused

Oh dear they are upset aren't they. The agreement is UE so tough they can add whatever they like it doesn't change the fact that they can't enforce whatever they put on.

I had this discussion with our solicitors early 2010. They said don't worry anything they try on we will recover and more it just paper BS.

regards
Garlok

[samsmum]

Re: New and confused

Thanks for the reply Garlok. Still sometimes feel like this is too good to be true and we'll end up owing thousands more than we started with. Thanks for putting my mind at rest once again. Enjoy your Sunday

[samsmum]

Re: New and confused

Oh dear they are upset aren't they. The agreement is UE so tough they can add whatever they like it doesn't change the fact that they can't enforce whatever they put on.

I had this discussion with our solicitors early 2010. They said don't worry anything they try on we will recover and more it just paper BS.

regards
Garlok

Sorry, me again. Should i ignore or maybe just send them a nice Christmas card. The last one in the box with crappy baubles and candles you always save for great aunt Gertie?

[garlok]

Re: New and confused

You could sit on it and see what they want to do next or I would think about sending this:-

> CCA Query - Creditor Refusal to Accept UE Status

And see where this takes them.

regards
Garlok

[samsmum]

Re: New and confused

I'll get that sorted this afternoon. Then i need to work out the xmas smilies.

Many thanks

Samsmum

[samsmum]

Re: New and confused

PAYDAY LOAN
07/2011
£420
DUE ON FRI 09/09/2011
25/09/2011..First Notice letter received
19/10/2011..Second Notice letter received
17/11/201..E mail received. Tells me i'm a valued customer and they want to help. 26 days to pay or they will consider further action. Cant renew my loan until sorted???
12/12/2011..Email received. 2 days to pay else they'll take it as a refusal to pay and pass to third party. I am however still a valued customer!!
20/12/2011..email received offering me 50% discount if paid by 23rd Dec

UPDATE...Very quick isn't it??

[samsmum]

Re: New and confused

Thanks for the replies and good wishes. Hopefully it will be good news.Seems ridiculous that we want it to show something up so he can re-operate. If not, this is as good as it gets,i'll struggle to get back to work and we'll have to rethink things. We'll worry about that when we know more tho. Fingers crossed. Thanks again

Got my results and having another op in Feb so i'll be off work til at least June. Called in to tell my manager today and she said they'll probably terminate my employment. SSP runs out soon so i'm gonna look into where i stand. Definitely re think on the bigger financial picture after xmas methinks

[billytommo]

Re: New and confused

Got my results and having another op in Feb so i'll be off work til at least June. Called in to tell my manager today and she said they'll probably terminate my employment. SSP runs out soon so i'm gonna look into where i stand. Definitely re think on the bigger financial picture after xmas methinks

I'm no expert, without looking into it, but I would certainly be dubious!

[garlok]

Re: New and confused

Hi samsmum and billy,

Yes it is dubious practice to terminate employment whilst an employee has a valid reason for being off sick. However once Statutory Sick pay has run out that coincides with the ending of the period under which the normal rules as such apply. Can't remember what fancy name they call it now but during longterm sickness such as this, you are then transferred to what used to be called the "Special List" whereby your employer was no longer obliged by law to keep your job open for you and were at liberty to look for a replacement. However once you became fit again for work, they were required to offer you employment again but not necessarily at the same salary, level of seniority or the same work. However once SSP has finished you will be entitled to incapcity benefit or the new one, IC was at the lower rate for six months then it increased upwards to the higher rate.

The other thing to look at of your OH is working is your total income as a couple, in these circumstances to look at working families tax credits, even if you have no children at home or full time education this still applies.

regards
Garlok