New and confused

[nanna58]

Re: New and confused

all the very best xxx

[Never-In-Doubt]

Re: New and confused

Hiya

All the best with your op. I'll sort you a reply to reliable if they keep calling but it can take a few days to get the system updated.

Please store times and dates of calls as we'll need this log. Fuck em let's get compo for your troubles

Forget this for now; good luck at hospital

[IF]

Re: New and confused

Thinking of you too SM

[DNW]

Re: New and confused

Hope all goes well today SM

[CleverClogs (RIP)]

Re: New and confused

Thinking of you too SM

I think of SM nearly every day...

... although usually it's a different SM.

[IF]

Re: New and confused

I think of SM nearly every day...

... although usually it's a different SM.

[MrsD]

Re: New and confused

Hope everything went OK, thinking about you.

take good care

[samsmum]

Re: New and confused

Thank you all so much for your good luck messages. Really means a lot to me. All done and back home. Really painful but to be expected and as long as it works this time i don't care. Going to be a frustrating few weeks but feeling quite hopeful

[samsmum]

Re: New and confused

HSBC LOAN
09/2001
£5600
04/2003
Not paying
Default 08/2004
Payments to Metropolitan
14/10/2011.. Letter fromLewis Group acting for CL finance. Says no payment received sinc 22nd June and to contact them.
14/10/2011..CCA Request sent
09/12/2011..letter received saying they cannot accept my monthly payment offer without I&E evidence. Haven't made an offer
12/12/2011..CCA Reminder-Unenforceability Threat letter sent
30/12/2011..letter saying they acknowledge receipt of CCA request but are agents not creditor(CL Finance).Agreement was terminated prior to court proceedings and entry of a ccj on 5/10/2009 therefore effect of section 78 is no longer applicable and judgement can be enforced if payments not made in accordance with judgement. Send proposals for payment. First we've heard of this and was on a dmp with cccs at the time
02/01/2012...found letter from Northampton court dated 05/06/10 stating this was cancelled as entered erroniously
03/01/2012..sent letter to Lewis group stating i have documentary evidence to prove ccj does not exist
23/02/2012..letter from Lewis group. Sorry to hear of financial difficuties and will accept £1per month til situation improves

Update.. Haven't spoken to them about difficulties and they've still not responded to CCA request other than the the letter about the ccj as above

[IF]

Re: New and confused

Thank you all so much for your good luck messages. Really means a lot to me. All done and back home. Really painful but to be expected and as long as it works this time i don't care. Going to be a frustrating few weeks but feeling quite hopeful

Just go Steady Eddie and I've got my fingers crossed it does work this time

[samsmum]

Re: New and confused

Thanks Flower. I will. Off for a nanna nap. I'm shattered x

[oldyboy]

Re: New and confused

Nice to hear you're back home, hope it all goes well and for now concentrate on getting better and don't worry about your debts, it's only money, your health is a lot more important!

This says it all. Take it easy and wishing you a speedy recovery.

[Pixie]

Re: New and confused

Good to see it went well and you're back home.

Forget about the debts for a week or two, there's not usually anything that's urgent.

[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
27/02/2012.. letter from Moorcroft..if i dont contact them following receipt of this letter they may recommend legal action.They go on to tell me a list of court charges

Update. Should i respond to this please?

[Deepie]

Re: New and confused

Update. Should i respond to this please?

Just ignore for now ......I Have at least 10 of those letters at home....