New and confused

[IF]

Re: New and confused

He was waiting for IF to bring coffee.

I would but haven't got a 'insulated' mug to put it in!!

(sorry folks it's a mod in house joke!!)

[jon1965]

Re: New and confused

I would but haven't got a 'insulated' mug to put it in!!

(sorry folks it's a mod in house joke!!)

Don't you just hate people who have "in" jokes

[Never-In-Doubt]

Re: New and confused

I would but haven't got a 'insulated' mug to put it in!!

(sorry folks it's a mod in house joke!!)

I'll clarify - a few months ago swanny said we could all get a free thermal mug which ermmm, failed as quick as he posted the link

[Never-In-Doubt]

Re: New and confused

I'm busy......

Is skiving classed as being busy mate?

[samsmum]

Re: New and confused

You mean the postman's not gonna bring the one i ordered? Gutted

[samsmum]

Re: New and confused

Don't you just hate people who have "in" jokes

I've never been part of the 'in' crowd but i did get this joke as i ordered my mug . Owt for nowt!!

[IF]

Re: New and confused

I've never been part of the 'in' crowd but i did get this joke as i ordered my mug . Owt for nowt!!

You are, your our 'in' crowd and glad you got the joke as it is your thread!!

[Never-In-Doubt]

Re: New and confused

You mean the postman's not gonna bring the one i ordered? Gutted

Ahhhh you remember it? The site got hacked "apparently"

[samsmum]

Re: New and confused

Ahhhh you remember it? The site got hacked "apparently"

Yes i remember it. I was going to give it to Great Auntie Ethel for christmas. Can't go wasting money on frivolities when i'm in debt

[samsmum]

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..Default notice issued on 31/12/2011. Balance £841
24/01/2012..Pre-debt collection notice received. If i dont pay as required by DN they will instruct KPR to recover full balance.Could involve legal action. KPR is the business name of Nationwide
17/02/2012..Letter from KPR. Formal Demand for Payment. Nationwide have passed the account over to recover debt.Committed to being fair and reasonable so contact to make arrangement to pay. Nationwide is considering ccj or decree. Would then enforce the judgement by charging order,attachment of earnings etc.alternatively account may be passed to external debt collectors
02/03/2012..letter from KPR. Offering me the opportunity to pay a significantly reduced one off discounted sum.Benefits .. no CCJ,no legal costs,will improve future credit rating and account will be closed and remaining balance written off. To take advantage ring immediately to discuss what discount is available. Offer only open for 7 days.
16/03 2012...Letter from KPR. I've failed to respond and they cannot allow this to continue. My debt has now become a priority. Must call within 7 days to make an acceptable offer to pay
12/04/2012... Letter from Fredericksons to say account has been passed to them Balance £880
19/04/2012...Letter from Freds. Letter before action. Must pay in 7 days or they will take immediate action.List of court fees etc.
20/04/2012..CCA request sent
25/04/2012..Letter from Bryan Carter solicitors re cca. This is a current account partially excluded by section 74 of CCA1974 from the application of Part v of the act. If you require copy statements or current terms you will need to request these from local branch and a fee will need to be provided. Send proposals for payment
27/04/2012..Letter from Bryan Carters. Must pay within 14 days else they'll recommend issuing proceedings without further notice. List of court costs etc

UPDATE

[Pixie]

Re: New and confused

I'd send Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

Bryan Carter are the solicitors-for-rent of Fredricksons.

[ScabHunter]

Re: New and confused

Is skiving classed as being busy mate?

Only in Glasgow, as far as I know.....

UPDATE

Bryan "Brain Farter" Carter is one of the most odious and loathsome excuses for a human being in the entire sewer of attempted debt collecting. He not only routinely attempts to swindle money out of innocent people by using such highly moral tactics as deliberately sending court papers to the wrong address, he also stabs his own clients in the back by splitting claims and making them unlawful.

His only "merit" is that he has the backbone of a wet chip bag and the resilience of a lopsided teddy bear. Poke him with a piece of cotton wool and over he goes.

I have prepared defences which have seen him off before, which is not difficult as he is known for bottling out at the AQ stage. I have also prepared wasted costs orders which have relieved him of at least some of his ill-gotten gains and given some justified compensation to his intended victims.

You'd have more to worry about from a mayfly landing on your nose.

SH

[samsmum]

Re: New and confused

I'd send Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

Bryan Carter are the solicitors-for-rent of Fredricksons.

Thanks Pixie. Yeah it said to make payments to Fred's. Just not sure with it being an overdraft. I'll get that letter sent off tomorrow. Just off to hospital to see the consultant. Fingers crossed i'll be able to get back to work soon. Not in my old job though. Thanks again

[IF]

Re: New and confused

Hope the hospital appointment goes well SM and got my fingers crossed too

IF...x

[Pixie]

Re: New and confused

I take it you don't think much of Bryan Carter then SH

Good luck at the hospital samsmum