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  • #676
    Re: New and confused

    Letter from Lowells re Capital One, balance £123. As i've failed to pay decided to send account to another dca who will want full amount owed and i will not get any discount. So to resolve this once and for all....make us an offer. Can pay any amount i can realistically afford by monthly instalments
    Previously offered 20% which they refused
    Last edited by samsmum; 11 February 2012, 12:22. Reason: ADDITIONAL INFO

    Comment

    • #677
      Re: New and confused

      Originally posted by samsmum View Post
      Letter from Lowells re Capital One, balance £123. As i've failed to pay decided to send account to another dca who will want full amount owed and i will not get any discount. So to resolve this once and for all....make us an offer. Can pay any amount i can realistically afford by monthly instalments
      Previously offered 20% which they refused
      how about offering them o%...........
      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.

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      • #678
        Re: New and confused

        As much as that???

        Comment

        • #679
          Re: New and confused

          way too much
          if you do it today and you like it you can always do it again tomorrow

          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.

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          • #680
            Re: New and confused

            Originally posted by samsmum View Post
            Update
            Should i continue to ignore these or is it time for another letter please?
            Last edited by AAD-LinkEditor; 13 February 2012, 19:22. Reason: Kermit wasn't displayed.

            Comment

            • #681
              Re: New and confused

              Ignore them! (all 3)
              Last edited by Pixie; 13 February 2012, 15:08.
              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.

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              • #682
                Re: New and confused

                Thanks Pixie. Just checking

                Comment

                • #683
                  Re: New and confused

                  Originally posted by samsmum View Post
                  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
                  Just been reading the new JD Williams /Reliable thread Niddy and obviously totally agree about them ignoring letters adding charges etc.Just checked my account online and they've added £400 since August. Am i on a hiding to nothing with these or will things change when or if they ever sell it on. Realise you're not phsychic,just wondered what you reckon. Thanks as always

                  Comment

                  • #684
                    Re: New and confused

                    Its unenforceable so you're not going to be paying anything are you?
                    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

                    • #685
                      Re: New and confused

                      Just doing a bit of pre op stressing this week Pixie. You know how it is. Clean the oven,few hints about flowers and songs(daffs and sunflowers please)and try and tie a few loose ends up

                      Comment

                      • #686
                        Re: New and confused

                        Originally posted by Pixie View Post
                        Its unenforceable so you're not going to be paying anything are you?
                        If it's UE and you're not paying anything, it doesn't matter how much it balloons to........

                        Comment

                        • #687
                          Re: New and confused

                          Originally posted by samsmum View Post
                          Just doing a bit of pre op stressing this week Pixie. You know how it is. Clean the oven,few hints about flowers and songs(daffs and sunflowers please)and try and tie a few loose ends up
                          When's the op?

                          The last thing you should be doing is stressing. You're in good hands here, aren't you?
                          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

                          • #688
                            Re: New and confused

                            Originally posted by samsmum View Post
                            Realise you're not phsychic,just wondered what you reckon.
                            If you want some fun with Simply Be(rks), you could write to ask them why their 'solicitor' did not call and what his name is, as you have a mind to report him to the SRA.

                            Comment

                            • #689
                              Re: New and confused

                              I was looking forward to a chat with him over a cuppa and some Hob nobs!!

                              Operations next Wednesday Pixie. Should be in about 3 days then probably another 3 months off work. SSP finishes this week so waiting to hear on that. Believe they send me something to send to work and pensions so i may be able to claim ESA. They weren't very clear on it. Hopefully this op will work and i'll be able to get back to some sort of normality. Whatever that is??

                              Comment

                              • #690
                                Re: New and confused

                                Hiya

                                Just ignore all 3 letters and JDW.

                                Hope the op goes well
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