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  • Re: New and confused

    Hope the hospital visit went ok SM....
    Steve

    Comment


    • Re: New and confused

      Thanks all. He was pleased with how it's going but at least another 2 months yet. Got a letter to go for an ATOS medical in 3 weeks. Oh what joy

      Comment


      • Re: New and confused

        Originally posted by samsmum View Post
        MBNA C/C
        09/09/2000
        £1360
        04/2003
        Not paying
        arrears

        Debt Clear recoveries(as from yesterday)

        09/09/2011 CCA Request sent
        02/10/2011 'CCA' recieved. Niddy says
        03/10/2011 CCA query,application form received letter sent
        23/01/2012..Notice of assignment from Global. Account now managed by Westcott
        04/04/2012.. Letter from Fairfax solicitors. Been instructed by Arrow Global to obtain immediate payment. If not paid by April 8th they've been instructed to take further action
        13/04/2012... DrydensFairfax solicitors..making us aware of potential serious consequences of not paying ie CCJ
        14/04/2012..Threat-o-gram letter before action sent
        30/04/2012..Letter from Drydens fairfax. Account placed on temporary hold while they contact clients
        UPDATE

        Comment


        • Re: New and confused

          Originally posted by samsmum View Post
          PAYDAY LOAN
          07/2011
          £420
          DUE ON FRI 09/09/2011
          25/09/2011..First Notice letter received
          19/10/2011..Second Notice letter received
          17/11/201..E mail received. Tells me i'm a valued customer and they want to help. 26 days to pay or they will consider further action. Cant renew my loan until sorted???
          12/12/2011..Email received. 2 days to pay else they'll take it as a refusal to pay and pass to third party. I am however still a valued customer!!
          20/12/2011..email received offering me 50% discount if paid by 23rd Dec
          29/02/2012..Letter from Mackenzie Hall. Instructed to collect. Payment deadline noon 2nd March. Would prefer amicable settlement but will not hesitate to take further action as appropriate
          25/03/2012..Letter from Mackenzie Hall. Coming to assess my doorstep and collect the field or may advise clients to issue a ccj,Niddy says ignore
          05/04/2012..Email from Mackenzie Hall..Our clients have 3 offers to resolve outstanding account. One off payment of £280,3 payments of £115(£345) or 6 payments of £72 (432). Balance is £432!! IGNORE
          13/04/2012... Letter from Mackenzie Hall offering reduced settlement of £280. Same as last week IGNORE
          30/04/2012...E mail from Mc Hall says...we have been supplied this address to contact you. If you are this person ring..whereupon further detailed information can be provided
          Update

          Comment


          • Re: New and confused

            Originally posted by samsmum View Post
            Update
            .....................
            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


            • Re: New and confused

              Originally posted by samsmum View Post
              30/04/2012...E mail from Mc Hall says...we have been supplied this address to contact you. If you are this person ring..whereupon further detailed information can be provided
              You gotta be <something> kidding me.

              What you need here is something like Mailwasher which sends back an error report on this type of spam. Makes them think (if anyone at Muck Hall is capable of thinking) that the address is no longer active.

              Note they are trying to get you to use their favourite toy again. They must think we're cretins. Sorry, Mucky Hall, if you want to find cretins you're going to have to look in the mirror.

              This lot really are useless, right at the bottom of the DCA food chain.

              SH

              Comment


              • Re: New and confused

                Originally posted by samsmum View Post
                PAYDAY LOAN
                07/2011
                £420
                DUE ON FRI 09/09/2011
                25/09/2011..First Notice letter received
                19/10/2011..Second Notice letter received
                17/11/201..E mail received. Tells me i'm a valued customer and they want to help. 26 days to pay or they will consider further action. Cant renew my loan until sorted???
                12/12/2011..Email received. 2 days to pay else they'll take it as a refusal to pay and pass to third party. I am however still a valued customer!!
                20/12/2011..email received offering me 50% discount if paid by 23rd Dec
                29/02/2012..Letter from Mackenzie Hall. Instructed to collect. Payment deadline noon 2nd March. Would prefer amicable settlement but will not hesitate to take further action as appropriate
                25/03/2012..Letter from Mackenzie Hall. Coming to assess my doorstep and collect the field or may advise clients to issue a ccj,Niddy says ignore
                05/04/2012..Email from Mackenzie Hall..Our clients have 3 offers to resolve outstanding account. One off payment of £280,3 payments of £115(£345) or 6 payments of £72 (432). Balance is £432!! IGNORE
                13/04/2012... Letter from Mackenzie Hall offering reduced settlement of £280. Same as last week IGNORE
                30/04/2012...E mail from Mc Hall says...we have been supplied this address to contact you. If you are this person ring..whereupon further detailed information can be provided
                03/05/2012..Letter from Mc Hall. Potential Action.As i'm avoiding paying they may recommend court action to clients
                UPDATE

                Comment


                • Re: New and confused

                  What letters have you sent to Mackenzie Hall?
                  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


                  • Re: New and confused

                    Morning Pixie. I've not sent them anything. Should i?

                    Comment


                    • Re: New and confused

                      What did Niddy say about this one?
                      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


                      • Re: New and confused

                        Originally posted by Pixie View Post
                        What did Niddy say about this one?
                        I got the doorstep letter 25th March and he told me to ignore it,stand firm and not get scared. Should i be now?

                        Comment


                        • Re: New and confused

                          Originally posted by samsmum View Post
                          I got the doorstep letter 25th March and he told me to ignore it,stand firm and not get scared. Should i be now?
                          No!! You've no need to be scared.

                          Normally, I'd say to send Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action but, with it being a payday loan (not sure about them) and you not having written to them before, I'd wait until Niddy comes along.

                          A few days doesn't matter and it's not very likely they'll take you to court for £400.
                          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


                          • Re: New and confused

                            Originally posted by Pixie View Post
                            No!! You've no need to be scared.

                            Normally, I'd say to send Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action but, with it being a payday loan (not sure about them) and you not having written to them before, I'd wait until Niddy comes along.

                            A few days doesn't matter and it's not very likely they'll take you to court for £400.
                            Okey dokey. Will do thanks. More worried about the physio i'm just off to see

                            Comment


                            • Re: New and confused

                              Originally posted by samsmum View Post
                              03/05/2012..Letter from Mc Hall. Potential Action.As i'm avoiding paying they may recommend court action to clients
                              Note the words in bold.

                              Muck Hall = hot air.

                              Actually, I could do with some hot air down here. We're four days into my favourite month of the year and it feels like mid winter. I'm going on holiday for a couple of days next week - think I'll have to take out a Payday loan to get some more thermal underwear.

                              Are the brass monkeys freezing up in Linconshire?

                              Anyway, don't worry about the threat monkeys in Kilmarnock whether they're frozen or not. Inside their heads you wouldn't notice the difference.

                              SH

                              Comment


                              • Re: New and confused

                                It's cold damp and miserable. Can't believe we put the heating on in May. Mmm,paydayloans. Why did i never think of that???.
                                Sure it's not a good idea in the long run but NRAM have let us go on interest only for a year so will help us til i can get back to work. Hope you enjoy your hols

                                Comment

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