New and confused

[samsmum]

Re: New and confused

Thanks will do Niddy

And CC you REALLY didn't need to bother. Nice picture of a beach or some trees would have done. Eeeuurrgghh!!!

Honestly!! I get into trouble for clogging up my thread and it's not even me most of the time

[diddlydee]

Re: New and confused

Ha ha, well samsmum, it's such a cosy place you have here, that we all like to drop in for a chat!

CC, I'd like to say that guy (or gal) is talented, but I can't think of a single reason why that would be useful!

I'll leave now, as poor Niddy/in2deep/garlok et al will keep dropping by to assist, when most of the messages are idle chat!

(samsmum, would you like me to tidy your thread for you hunny and remove the chatter?)

diddly x

[samsmum]

Re: New and confused

Ooh yes please. Have you got a couple of days spare??

[Never-In-Doubt]

Re: New and confused

CC, I'd like to say that guy (or gal) is talented, but I can't think of a single reason why that would be useful!

To see if he has a stomach infection?

(samsmum, would you like me to tidy your thread for you hunny and remove the chatter?)

Nooo - please leave intact. We dont actually remove posts like that - it's fine. If necessary, and when threads get too clogged up we'll just move the diary part to a new thread, add one update to each and bingo - its clean.

Also keeps the old thread in place with the old memories, case history and banter that goes with it......

[samsmum]

Re: New and confused

Okey dokey

Thanks for the offer DD

[pompeyfaith]

Re: New and confused

I agree it makes the thread so warm.

Samsmum have no fear we all know what stage you are at in your battle so no confusion there.

[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
17/12/2011..b/f and closing statement received. interest being added half yearly
18/12/2011.. refusal to accept ue status letter sent
07/01/2012..letter received thanking me for my complaint. Concerns will be investigated by a case handler and outcome sent in writing asap

Update

[Never-In-Doubt]

Re: New and confused

Update

really?

* just ignore

[CleverClogs (RIP)]

Re: New and confused

OVERDRAFT with Nationwide B/S
2008
£800
NOT PAYING
Last interest paid 06/08/2011 now changed bank acc
13/12/2011..Letter received. Pay up or will register a default notice'and instruct KPR to collect and could commence legal action
04/01/2012..Defaault notice issued on 31/12/2011. Balance £841

Has Nationwide complied with its obligations under the Consumer Credit Act 1974, in particular section 61B (link) which requires them to give you a copy of the overdraft agreement and Part VA (link)which covers non-commercial overdrafts?

[Never-In-Doubt]

Re: New and confused

Has Nationwide complied with its obligations under the Consumer Credit Act 1974, in particular section 61B (link) which requires them to give you a copy of the overdraft agreement and Part VA (link)which covers non-commercial overdrafts?

Of course they haven't - do they ever

[samsmum]

Re: New and confused

Thanks. Will ignore Co op and no not received anything from Nationwide so far.

[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
17/12/2011..b/f and closing statement received. interest being added half yearly
18/12/2011.. refusal to accept ue status letter sent
07/01/2012..letter received thanking me for my complaint. Concerns will be investigated by a case handler and outcome sent in writing asap
11/ 01/2012...Letter received from MOORCROFT. Been instructed by Co op. Notice of Intended Litigation

Update. What's my next move please?

[Deepie]

Re: New and confused

Update. What's my next move please?

I Would send this back....
Threat by Creditor - To Commence Litigation

[samsmum]

Re: New and confused

Thank you for the quick reply as always. Will get that sorted and sent today

[garlok]

Re: New and confused

Notice of Intended Litigation l.

Letter is headed "Pre Litigation Division" I suppose.

That actually is the pre school potty training group in the basement toilets of Moorcroft Towers. They will soil their nappies when the letter arrives and will pass it to another "Division" or back to the OC.

regards
Garlok