New and confused

[Pixie]

Re: New and confused

It's probably just a ploy to get you to ring them.

I can't see it being a very good offer.

Can you afford to make a F&F offer?

[samsmum]

Re: New and confused

It's probably just a ploy to get you to ring them.

I can't see it being a very good offer.

Can you afford to make a F&F offer?

My thoughts exactly Pixie. If it was something like 20% i'd find it but that's not gonna happen so i'm probably best just to ignore them for now. Definitely wont be ringing for a chat. Thank you for the reply as always

[Undercover Elsa]

Re: New and confused

Hi Samsmum,
I agree with Pixie, just a ploy to get you to phone...
Have you had a read of the thread on overdrafts?

http://forums.all-about-debt.co.uk/s...ead.php?t=4904

I recently wrote and asked for my OD agreement and they admitted they can't produce it.
Niddy's put a template letter on that thread...a kind of amended CCA request quoting legislation on OD's.
Might be worth a try.

Shep x

[samsmum]

Re: New and confused

Thanks Shep. I'll have a read up on that now x

[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was terminated prior to court proceedings and entry of a ccj on 5/10/2009 therefore effect of section 78 is no longer applicable and judgement can be enforced if payments not made in accordance with judgement.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
09/03/2012..Letter from Lewis group. Further to previous letter in which they accepted a reduced payment???. Payment not received as agreed and is required immediately.

Update. Can you advise on next move please. Have never heard from them regards cca or the ccj episode. Have never contacted them regarding financial difficulties or made any reduced payment. Seems like i ignore their letters and they ignore what i say

[Deepie]

Re: New and confused

Update. Can you advise on next move please. Have never heard from them regards cca or the ccj episode. Have never contacted them regarding financial difficulties or made any reduced payment. Seems like i ignore their letters and they ignore what i say

Just ignore for now see what they send next..........

[samsmum]

Re: New and confused

Just ignore for now see what they send next..........

Ok thanks. Ignoring i'm good at now

[Pixie]

Re: New and confused

Ok thanks. Ignoring i'm good at now

Told you

[samsmum]

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

Just a quick update to let you know i've had no more phone calls. Think my time with Reliable Collections is finally over.

Recovery from op going well so far. Stitches out and see consultant and start physio this week. Gonna hurt but feeling quite optimistic it will work this time

[Never-In-Doubt]

Re: New and confused

Just a quick update to let you know i've had no more phone calls. Think my time with Reliable Collections is finally over.

Excellent - about bloody time eh?

Glad to hear it

[Never-In-Doubt]

Re: New and confused

Recovery from op going well so far. Stitches out and see consultant and start physio this week. Gonna hurt but feeling quite optimistic it will work this time

Glad you're feeling better - lets hope it's the last operation now!

Physio is the hard part but hey, if it cures you then you'll be determined enough so will have all the will-power necessary. Best of luck with it

[IF]

Re: New and confused

Just a quick update to let you know i've had no more phone calls. Think my time with Reliable Collections is finally over.

Recovery from op going well so far. Stitches out and see consultant and start physio this week. Gonna hurt but feeling quite optimistic it will work this time

Double good news and got my fingers still crossed your op has worked

[Undercover Elsa]

Re: New and confused

Hope you're feeling better, Samsmum! Good luck with the physio..and just take it at your own pace..
Hugs,
Shep x

[samsmum]

Re: New and confused

Thanks all. Feeling much better thanks. Hopefully get this contraption off for at least a few hours a day after Friday and be able to start using my arm again. Gonna do exactly as i'm told and not rush it though. Just need to ring up about ESA confusion tomorrow and if i dont get it make some calls about going on interest only mortgage etc for a while.

Enjoy the sunshine x

[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
01/03/2012...Letter sent courtesy of Cleverclogs. See post 797
14/03/2012.. letter from Moorcroft saying their clients believe documents sent do meet requirements under setion 78. Go on to explain about Carey v HSBC. Want paying basically

Update. What should i respond with next please?