Pookies UE Diary

[vint1954]

Re: Pookies UE Diary

I would be looking to send a letter for them to sign agreeing to the F&F, unless they have already confirmed in writing, in which case your letter would state please find enclosed cheque for £500 in F&F settlement of the full outstanding balance on account No xxxxxxxxxxx and as agreed to by yourselves in your letter dated xxxxxxxxxxxx

[pooksthebear]

Re: Pookies UE Diary

Morning everyone.. success.. Scabhunter you are a GENIUS!

I have had a reply from Marlin saying they have had a chance to consider my letter and the matters therein are best answered by their solicitors but they are willing to accept £500 in full and final settlement of the debt.

I then got a letter from MCL saying the letters were not fabricated, they were definately sent and they see that I did not receive them and it may be they went astray in the post. Their client wishes to move this forward and has instructed them to accept £500 in full and final provided the payment is made within the next 3 months. The matter has been placed on hold pending the payment.

I will get them paid within the next month.. want them out of my hair!!

So then.. do I need to respond or just leave it until I send the money and do I need to send a special letter with the money? Also, do I still report them (MCL) for lying about the letters?

Pooks

[pooksthebear]

Re: Pookies UE Diary

You are too kind.

It may be a good idea, though, not to get those letters mixed up with the ones I've posted on here. Although I'd love to see the faces on Marlin employees as they read them.

SH

Yes there are a fair few of those alternatives that I would dearly love to send

Pooks

[ScabHunter]

Re: Pookies UE Diary

Thank you SH, I couldnt have got them on the back foot without you.

On a different matter.. I have just had a look through some of your alternative letters.. pure genius SH!!!

Pooks

You are too kind.

It may be a good idea, though, not to get those letters mixed up with the ones I've posted on here. Although I'd love to see the faces on Marlin employees as they read them.

SH

[pooksthebear]

Re: Pookies UE Diary

Well, there isn't a great deal of difference between £6 and £5.79 (or five pounds, fifteen shillings and nine point six pence of genuine British currency), is there?

Keep that information in reserve, as it could be useful to you in future negotiations.

Yes, MCL/Marlin are scum, but hopefully they will now be more scared of you than you are of them. Especially as a FOS mediation fee will leave them needing to accept your £500 just to get out with a break even result.

SH

Thank you SH, I couldnt have got them on the back foot without you.

On a different matter.. I have just had a look through some of your alternative letters.. pure genius SH!!!

Pooks

[ScabHunter]

Re: Pookies UE Diary

Well, there isn't a great deal of difference between £6 and £5.79 (or five pounds, fifteen shillings and nine point six pence of genuine British currency), is there?

Keep that information in reserve, as it could be useful to you in future negotiations.

Yes, MCL/Marlin are scum, but hopefully they will now be more scared of you than you are of them. Especially as a FOS mediation fee will leave them needing to accept your £500 just to get out with a break even result.

SH

[pooksthebear]

Re: Pookies UE Diary

When you're doing an I & E form you have to include all debt, even those which are UE, so that you're not seen as favouring one particular creditor.

That's probably why my CCJ payments were set at £1 per month. At my age, I'll probably be dead before they even get their court costs paid

Ive done that, put all the debt in there. I just forgot stuff like window cleaner but it still came out at just £6 a month. If Jane hadnt mentioned putting it in I wouldnt have thought to do it! So at least I know now that im not far off with my offer, my amounts were not over the limit things either so they didnt turn red.

Will just sit back now and see what the next letter brings. Im just a bit scared of MCL I think because of all the scary stories Ive heard about them .. claws will be at the ready though haha

Pooks

[Pixie]

Re: Pookies UE Diary

When you're doing an I & E form you have to include all debt, even those which are UE, so that you're not seen as favouring one particular creditor.

That's probably why my CCJ payments were set at £1 per month. At my age, I'll probably be dead before they even get their court costs paid

[pooksthebear]

Re: Pookies UE Diary

Bless you! We all have a wobble from time to time but the saying is true...laughter's the best medicine.

Glad you took it in the spirit in which it was intended

Yes your right and the image of a wobbling bear made me literally laugh out loud haha! Ive done the I&E and I was almost spot on with my offer of £5.79 so I feel loads better now!

[pooksthebear]

Re: Pookies UE Diary

Should be at the end, gives you the option to save as a spreadsheet, made me feel so much better hope it does you too.

Jane x

Its done!!! It works out that pro rata the MCL vultures could have £6.00 a month so my offer of £5.79 wasnt a million miles away. Also there are probably things I could have put in the I&E form .. like window cleaner and house maintenance which I havent. I feel sooo much better now!

Pooks x

[tastyjane]

Re: Pookies UE Diary

Should be at the end, gives you the option to save as a spreadsheet, made me feel so much better hope it does you too.

Jane x

[pooksthebear]

Re: Pookies UE Diary

http://mymoney.nedcab.org.uk/moneyadvice/quickfs.asp

Here is the link I think Pooks; I felt so much better when I did this for our circumstances - just to let you know I put all my debt in as if I was paying it and it worked out a pro-rata payment for each from excess income.

Jane x

Hiya again, I cant find where to put the debt in and where it will work it out pro rata? There doesnt seem to be a column for debt that I can see ... actually just found it! x

[Pixie]

Re: Pookies UE Diary

Hahahaha.. oh that did make me chuckle .. I think my wobbling is over for the time being... happens occasionally.. I will go back to my den for a bit to sharpen my claws ready for the fight ahead x

Bless you! We all have a wobble from time to time but the saying is true...laughter's the best medicine.

Glad you took it in the spirit in which it was intended

[pooksthebear]

Re: Pookies UE Diary

http://mymoney.nedcab.org.uk/moneyadvice/quickfs.asp

Here is the link I think Pooks; I felt so much better when I did this for our circumstances - just to let you know I put all my debt in as if I was paying it and it worked out a pro-rata payment for each from excess income.

Jane x

Aw thank you Jane!! Right I shall do that now x

[tastyjane]

Re: Pookies UE Diary

http://mymoney.nedcab.org.uk/moneyadvice/quickfs.asp

Here is the link I think Pooks; I felt so much better when I did this for our circumstances - just to let you know I put all my debt in as if I was paying it and it worked out a pro-rata payment for each from excess income.

Jane x