Pookies UE Diary

[pooksthebear]

Re: Pookies UE Diary

£1/mth may not make much difference to your finances but it makes a HUGE difference in terms of your debts: they will NEVER become Statute Barred as long as you're paying something!

The clock usually starts the month after your last payment, even £1! No payment = clock doesn't get reset...

Very good point. I am taking all the help on board and doing it all recorded, the dca thieves are not getting another penny from me!!

[pooksthebear]

Re: Pookies UE Diary

Easiest way of working out the time start date, it is a day after the date of the first missed payment. A lot of people say it's the day after you last made a payment, but don't be fooled - you pay in advance with certain products remember

Therefore, assume you last paid into your loan on 1st January, with the next payment due on 1st February and you missed this, the SB clock would start ticking from 2nd February as that is when you actually fell into arrears with the account. Up until this point you are not in arrears you see

Just trying to make it easier to understand, lots of mistakes regards the date as people sometimes class it from the date you last paid -

Hi, just read all the posts (and the ones after this).. im a bit thick at times..like its been said, its better to pay the post office for the odd recorded delivery than to keep paying the debt so thats what I shall do!! Just on the subject of SB, I defaulted on all the debts, they are all in arrears, the bits ive paid off them (last payment made in October) wont have brought me out of arrears soooo.... is it 6 years from October of from the true date of the arrears. Seems very complicated haha!!

I have received another cca today, I have updated my diary and sent it you but had to send it to your address through my hotmail as i cant seem to use the one on here.. not sure how to set up an account!

Pooks

[Never-In-Doubt]

Re: Pookies UE Diary

Thanks Niddy for clarifying this, the last payment date is a very common misconception

Thing is though why do people try and force/rush it through? Not being funny but if you're not 100% sure and have waited over 5 years then seriously, sod risking it - stay off the radar for another few months to be 100% sure.

I remember on MSE someone waited for *6 years* then applied at the same bank for credit, that she had an old debt for. She mistakenly presumed because her credit file was clear, the debt had become SB (think about this...)

I responded saying, no - you're wrong because XYZ and got shot down in flames. The poster applied - flatly rejected. A week or two later, the lender (Barclays) wrote asking for repayment of the old debt, the poster wrote back (based on posts on her thread) basically saying "its SB go away I owe nothing, I did, but not now". Hah

THAT reset the clock as she admitted liability - the worse thing was, it was only 2 weeks wrong..... two weeks was all she messed up with!

Gutted

You know her mistake (and those planks on MSE that replied)? They presumed that as the credit file entry had gone the debt "must be" SB'd. I asked why? I knew of loads of accounts that were over 6 years into a repayment plan, thus the default had gone but they were in no way anywhere near SB (they were still being repaid FFS)! I explained as well, that most data to CRA's is backdated and should not be trusted - but the fact the account didn't show, the poster thought she knew best.......

[Never-In-Doubt]

Re: Pookies UE Diary

FP - sorry I wasn't quoting you as if you were wrong, your info is spot on (as is Garloks) - I was only trying to simplify the working out part of it and quoted you, cos you were the lucky one

[Never-In-Doubt]

Re: Pookies UE Diary

The clock usually starts the month after your last payment, even £1! No payment = clock doesn't get reset...

Easiest way of working out the time start date, it is a day after the date of the first missed payment. A lot of people say it's the day after you last made a payment, but don't be fooled - you pay in advance with certain products remember

Therefore, assume you last paid into your loan on 1st January, with the next payment due on 1st February and you missed this, the SB clock would start ticking from 2nd February as that is when you actually fell into arrears with the account. Up until this point you are not in arrears you see

Just trying to make it easier to understand, lots of mistakes regards the date as people sometimes class it from the date you last paid -

[garlok]

Re: Pookies UE Diary

Absolutely right FP. The clock starts at the point of the first missed payment if I remember one of Paul's posts correctly.

regards
Garlok

[DNW]

Re: Pookies UE Diary

Also, if ever anything does go further, you have proof of delivery - it's all too easy for things to get 'lost in the post' as it where.

[billytommo]

Re: Pookies UE Diary

Yes but you will find that the advice here is to only send the letters for really important scenarios. Just look at the number of times that the advice is ignore! Cost = nowt

[pooksthebear]

Re: Pookies UE Diary

yes ....always send recorded

Ok will do. Just a thought though, if 1 end up sending 2 or 3 letters a month (recorded) to each creditor, at £1.50 a shot and was only paying £1 to £5 a month off the debts, then aren't I better just paying the £1 or so to the debt? Might sound like a silly question I know but if the letters increase, like I expect they will, I could be paying more to the post office than I was originally to the creditors lol

Regards, Pooks

[Deepie]

Re: Pookies UE Diary

Oh forgot to ask, should I have sent my full and final offer and the doorstep threat letter by recorded delivery?

Regards, Pooks

yes ....always send recorded

[pooksthebear]

Re: Pookies UE Diary

Oh forgot to ask, should I have sent my full and final offer and the doorstep threat letter by recorded delivery?

Regards, Pooks

[pooksthebear]

Re: Pookies UE Diary

Send doorstep threat letter to Meitforce.....

Thanks will do that now!

Pooks!

[Deepie]

Re: Pookies UE Diary

Hi Pixie, well i didnt have to wait long! This morning I got a letter from Meritforce (new one no doubt) headed Authorised Collector Visit.. states because i have not paid blah blah blah a collector will call within the next 10 days (hmm... well cant see them coming over Christmas).. if the collector doesnt get a positive reponse my file will be returned to their office and official proceedings taken against me. Goes on to tell me that if i dont want a visit and would rather settle the debt then to contact their client Mackenzie Hall before the 22nd December.

Ignore or doorstep threat letter? Also if sending letter would this be sent to Meritforce, Mackenzie Hall or both?

Thanks, Pooks

Send doorstep threat letter to Meitforce.....

[pooksthebear]

Re: Pookies UE Diary

They're dcas so it goes without saying that the left hand doesn't know what the right hand is doing!

Date and keep the statement and envelope and ignore. They are in default of your cca request and so just wait and see what they send next.

Hi Pixie, well i didnt have to wait long! This morning I got a letter from Meritforce (new one no doubt) headed Authorised Collector Visit.. states because i have not paid blah blah blah a collector will call within the next 10 days (hmm... well cant see them coming over Christmas).. if the collector doesnt get a positive reponse my file will be returned to their office and official proceedings taken against me. Goes on to tell me that if i dont want a visit and would rather settle the debt then to contact their client Mackenzie Hall before the 22nd December.

Ignore or doorstep threat letter? Also if sending letter would this be sent to Meritforce, Mackenzie Hall or both?

Thanks, Pooks

[Pixie]

Re: Pookies UE Diary

Hi Guys...Update!

So 7th Dec I got letter from Mackenzie Hall, returning postal order and saying they have requested info from client and if dont receive a response with x days they will close my file and return it to creditor, in meantime they wont chase payment.

Now ive received another letter from them saying 'please find attached statement of account or copy of agreement as requested (they attached a statement). Payment must be received by our offices within 7 days' Evidently the right hand doesnt know what the left hand is doing

Shall i just ignore this for now?

Thanks, Pooks!

They're dcas so it goes without saying that the left hand doesn't know what the right hand is doing!

Date and keep the statement and envelope and ignore. They are in default of your cca request and so just wait and see what they send next.