New and confused

[samsmum]

Re: New and confused

Hi Pixie. Hope you're well. Yes i am very glad but must admit it takes some getting used to and some days i actually feel disappointed when the postman walks past our house.. i know i know, i don't get it either,just feels weird not to be doing anything sometimes. Not complaining though and definitely dont want him to start visiting again

[nanna58]

Re: New and confused

shhhhhhh

[samsmum]

Re: New and confused

shhhhhhh

I know. Its all good and going well so far. Just feels really strange cos i've always had it drummed into me that we must keep in contact and pay at least £1 else they'll huff and they'll puff and they'll blow our house down, after they've pinched the doorstep!! Well that method didn't work for the last 12 years but so far thanks to you all this one is

[Pixie]

Re: New and confused

Bet you're glad you found us now

[samsmum]

Re: New and confused

Bet you're glad you found us now

You'll never know just how grateful i am for the pm that guided me over here Pixie

[samsmum]

Re: New and confused

The problem with paying £1/month is that the debt never goes Statute Barred! Token payments never clear the debt either so it's really neither here nor there, they are intended as a short-term solution for people temporarily in financial difficulties but don't work in that context either; you get a mark on your credit record just as if you did't pay anything so there's hardly any incentive to go back to normal payments even if your circumstances improve. Also people do get taken to court whilst sticking to their token payments so really not much point.

Found all this out much too late and feels like our lives have been on hold all that time. Better late than never though!!

[Pixie]

Re: New and confused

Glad our Pixie brought you here!

I can't take the credit for bringing her here, I just helped her once she got here. I'm not sure who brought her here.

[CleverClogs (RIP)]

Re: New and confused

Despite it being Statute Law, the official channels don't want us to find out about the Statute of Limitations.

Which, if one wished to be pedantic, does not exist in the UK.

There are actually two laws:

1. The Prescription and Limitation (Scotland) Act 1973 - link
2. The Limitation Act 1980 - link

Under the 1980 law, the limitation period is six years but, under the Scottish Law, the period is only 5 years. Furthermore, under Scots Law, the obligation to pay the debt is extinguished once the limitation period has elapsed.

I have seen a CCCS advisor on another site talk about setting up a repayment plan for a SB debt 'because the debt still exists'.

Was that on the green site?

One might wonder at times whose money they hope to save.

[MrsD]

Re: New and confused

I can't take the credit for bringing her here, I just helped her once she got here. I'm not sure who brought her here.

it might have been me

but that ain't the point, the point being that sam's mum was getting shyte advice on the green place

AAD works as a team to bring folks on here who are being set at a disadvantage on other sites, not just MSE, who have slid down hill at a remarkable rate and give too much time to banks/dcas and eejits.

[Pixie]

Re: New and confused

it might have been me

but that ain't the point, the point being that sam's mum was getting shyte advice on the green place

AAD works as a team to bring folks on here who are being set at a disadvantage on other sites, not just MSE, who have slid down hill at a remarkable rate and give too much time to banks/dcas and eejits.

Well put Dopey!

[MrsD]

Re: New and confused

which is quite amazing as I have had a wee aperatif...............or two








or possibly more

[samsmum]

Re: New and confused

it might have been me

but that ain't the point, the point being that sam's mum was getting shyte advice on the green place

AAD works as a team to bring folks on here who are being set at a disadvantage on other sites, not just MSE, who have slid down hill at a remarkable rate and give too much time to banks/dcas and eejits.

It sure was.I'd been on a dmp for 8 years and wasn't even half way through. Couldn't manage it any more through illness and creditors wanted blood...Luckily for me you saw me struggling and told me about UE and a certain man called Niddy and the rest is history!!

[samsmum]

Re: New and confused

It sure was.I'd been on a dmp for 8 years and wasn't even half way through. Couldn't manage it any more through illness and creditors wanted blood...Luckily for me you saw me struggling and told me about UE and a certain man called Niddy and the rest is history!!

Spoke too soon. Nice postman brought 3 letter today so will now update my diaries. Be careful what you wish for!!

[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
12/01/2012..Threat by creditor..to commence litigation letter sent
20/01/2012..Letter received from Co op stating they have investigated and believe account is enforceable and we are liable, and this is their final response. If we're not happy complain to FOS within six months. Account now with Moorcroft
21/01/2012.. Letter from Moorcroft saying account on hold while they investigate matter with Co op
11/02/2012.. letter from Moorcroft with copy of agreement enclosed. Account on hold for 14 days to allow time to contact them to arrange a repayment plan after which they will commence further action

Update
Should i continue to ignore this plesase?

[samsmum]

Re: New and confused

CATALOGUE SIMPLY BE
£1300
04/2011
SENDING TOKEN BUT NOT ACCEPTED
ARREARS
RELIABLE COLLECTIONS

09/09/2011 CCA Request sent
23/09/2011 Letter received. Niddy says
03/10/2011 Letter received re home contact 05/09.Ignore
03/10/2011..harassment and threat of doorstep visit letter sent
14/10/2011..Letter from JD Williams accepting account is unenforceable

28/10/2011...Letter from Reliable threat of court action
28/10/2011.. letter received saying my conduct is not acceptable and will not be tolerated
11/11/2011..threat of court action letter received, must pay in 24 hours
25/11/2011.. Letter saying account is being reassigned.May result in court acvtivity or debt collector calling at my home if i dont pay toward debt in 7 days. DO NOT IGNORE
28/11/2011.. Niddy special sent (see post 389)
10/12/2011..Letter titled Residency Confirmed received. Says they've failed to contact us so have undertaken investigations to trace us and confirmed we still live here. The debt will not go away!! Must make immedite payment
04/01/2012..2nd Niddy special sent (see post 567)
21/01/2012.. Letter from Simply Be saying account is being transferred to legal adviors re ccj,warrant of execution by bailiffs or attachment of earnings.If i dont pay in 7 days a solicitor will call at my home. Failure to respond will result in a default on my credit file. Admin charge for each missed payment reminder. DO NOT IGNORE
11/02/2012..list of dca's that may be acquiring my account,rights title and interest in the next 2 weeks

Update