Pixie's UE diary

[Pixie]

Re: Pixie's UE diary

Ooops!

Just found another mislaid letter

This letter was received on 12/07 and was from SCM Solicitors about my LTSB overdraft (formal demand for payment prior to commencement of legal proceedings.) If the outstanding balance is not received within 14 days from receipt of the letter, they may issue legal proceedings. There isn't a cat in hell's chance that I can pay it (can't, not won't).

However, since then I've had the letter (from LTSB themselves) mentioned in post #308 asking for I&E form to be completed.

[Pixie]

Re: Pixie's UE diary

I think they try their luck before passing it on.

[oscar]

Re: Pixie's UE diary

They must think I've won the lottery because they've enclosed a payment slip!

Moorcroft did thos with me and Natwest about three weeks ago. My "debt" is now with Wescott!

[Pixie]

Re: Pixie's UE diary

LTSB are finally catching up with me regarding my overdraft.

I know overdrafts are exempt from UE and I've been ignoring the few letters I've had so far.

I've received a letter thanking me for contacting them about my account (I haven't.)

They want me to complete an I&E form. I wasn't going to do this but I've just read through it and there's a question about ccjs and the payments.

Would it be worth filling it in, given my existing ccj and payment?

[Pixie]

Re: Pixie's UE diary

Ignore - save the cost of a stamp!

It's actually enforceable

It isn't for a very large amount in the grand scheme of things (less than £1500)

[Pixie]

Re: Pixie's UE diary

Must be my lucky week for offers.

Moorcroft are giving me one last chance to prevent the possibility of court action and they're offering me a 30% discount on my Barclaycard debt if I pay within the next 14 days.

They must think I've won the lottery because they've enclosed a payment slip!

[caspar]

Re: Pixie's UE diary

Ignore - save the cost of a stamp!

[Pixie]

Re: Pixie's UE diary

I've also received a letter from Gothia (Red Castle) re M&S (blagging) - they haven't received a payment from me but they know that it's a difficult time and they want to work with me. I can either pay £40 per month and they'll cease any further action for an agreed period of time or I can pay 70% over 90 days as F&F.

Very considerate aren't they? I wonder how long it'll be before they get nasty? Or maybe they've done some research and found out that I've already got a ccj (and what the monthly payment is) and decided that it's not worth them pursuing it through the courts?

Should I ignore or write to them explaining that I'm unemployed and cant afford either of their offers?

[Pixie]

Re: Pixie's UE diary

Finally emailed the letter Niddy - had to configure Outlook and then my DD phoned - for an hour!

Hope you're not thinking it's anything too serious?

Finally found my mislaid letter from Fredricksons re Tesco card

It's a letter before action so I'll send the Threat-O-Gram: letter before action

[Pixie]

Re: Pixie's UE diary

Can you send me a copy of this please - summat I want to check over Pixie...

Thanks

Ooops! Only just seen this

Didn't have internet for a couple of days and then DD's birthday yesterday.

I'll scan it and send it now Niddy.

[MustGetStraigh]

Re: Pixie's UE diary

I think I've had the same letter from them today re NatWest. Obviously their letter of the moment! (and they had a job lot of those yellow envelopes to use up).

[Never-In-Doubt]

Re: Pixie's UE diary

Letter today from those nice people at Moorcroft in alovely summery yellow envelope - possible litigation - if I don't phone/pay them they may recommend their client to take legal action.

Should I send 'Threat - O- Gram - Letter before action'?

Can you send me a copy of this please - summat I want to check over Pixie...

Thanks

[Pixie]

Re: Pixie's UE diary

Sent 'Threat-O-Gram - letter before Action' (updated) to Moorcroft today re LTSB card.

When I was updating my diary I've noticed that they've already had (in May) the previous version in response to the same letter I've received this week.

I was wondering if it would matter - then I thought sod it! If they can send out the same letters for the same account then so can I! It's too late anyway because it's in the post.

I thought the Threat-O-Gram letter I'd sent to them previously was in relation to my Barclaycard account which they're also dealing with. Edit: They had a Threat-O-Gram letter in April for my Barclaycard. Maybe one day they'll read them!

[Never-In-Doubt]

Re: Pixie's UE diary

Letter today from those nice people at Moorcroft in alovely summery yellow envelope - possible litigation - if I don't phone/pay them they may recommend their client to take legal action.

Should I send 'Threat - O- Gram - Letter before action'?

yes Pixie, send that off asap

---> 'Threat - O- Gram - Letter before action'?

[Pixie]

Re: Pixie's UE diary

They won't take action! IMO send that letter to them. Moorcroft are spineless, and to think in my really early days (mid 80's) I paid them religiously every week on a debt till it was paid off in full.

I know that!!

They had that letter a few months ago for another account.