Pixie's UE diary

[PlanB]

Re: Pixie's UE diary

I'm so glad I found Niddy too. Don't know where I'd be otherwise.

Unfortunately, the debt that the Lewis Group had was too new to be UE. I wrote to them at the time I got the one and only letter from them to let them know that I was unemployed and had been for almost a year. Were they understanding? Well what do you think? As it turns out the ccj has had no effect on my life to date.

Good luck with your fight. I'm sure you're in safe hands with the certain fim of solicitors.

It wouldn't have made a blind bit of difference if your debt had been UE because Lewis Group are trigger happy with county court summons. I've checked their website which boasts: " we are the largest litigators within the debt recovery sector, issuing in excess of 100,000 claims p.a.". Blimey that's a 2,000 each week. Since 95% of defendants panic and ignore them they are getting a lot of 'successes' by default from the scatter gun approach. And since they charge debtors (up to) 200.00 legal costs each for posting 4 pieces of computer-generated blue paper by 2nd class mail that's a cool 20,000,000 in legal fees generated by a click of a mouse. (Have I really got my noughts in the right place with that calculation?). Ok they've got to recover the money from debtors first but, hey, that's a nice little earner. Even if each debtor only paid a token 1.00 per week (like that would happen) they would still bank £100k p.a. The work is all done by Howard Cohen 'solicitors' which is an in-house team of 'legal clerks' and 'case handlers'.

I then checked out the "Careers" tab oin the website on the basis that knowledge is power. The ad for 'telephone negotiators' requires applicants to be "assertive". Why don't they just say "unpleasant people and bullies please apply here". No mention of the need for sympathy, understanding or people skills for the job I note. Then the ad for the "doorstep collectors" says "you must enjoy meeting people". Well I can think of a better way to go speed-dating. It then says you must be prepared to work early evening. So I think I will ignore those postcards which say "we will be calling on Blahday between 8 am and 5 pm" because the doorstep collectors don't enjoy meeting people until the early evening apparently. Ha!

My sudden out-of-the-blue court summons ruined my Christmas so I'm going to set about destroying their business. I'll start with the Trading Standards man at my local council (he was jolly cross when I told him the saga), then the OFT, and the (usless) CSA. Oh and did I mention that a certain law firm is assisting me with my enquiries too. The Lewis Group won't know what's hit them by the time I've finished with them. Can't wait to get started!

[Pixie]

Re: Pixie's UE diary

I'm so glad I found Niddy too. Don't know where I'd be otherwise.

Unfortunately, the debt that the Lewis Group had was too new to be UE. I wrote to them at the time I got the one and only letter from them to let them know that I was unemployed and had been for almost a year. Were they understanding? Well what do you think? As it turns out the ccj has had no effect on my life to date.

Good luck with your fight. I'm sure you're in safe hands with the certain fim of solicitors.

[PlanB]

Re: Pixie's UE diary

Thank you Caspar.

My attitude has changed so much since I've been on the forum. I used to lie awake worrying about my debts and was almost suicidal - not any more!

They wouldn't listen to me when I needed a bit of leeway with payments so stuff them!!

I had (still have in theory) 23 creditors and £151k unsecured debt in a DMP for a couple of years. All good. Then the Lewis Group were the only sods to issue a County Court Summons without a Letter Before Action or even a credit agreement and only one letter (to an address I didn't even live at) etc etc. Mercifully they picked the wrong target because my CCA was UE and a certain law firm (by the sea in North Wales) has taken up my case. I plan to document what happens next blow by blow when the time is right. But everythng happens for a reason and I was so spooked by what Lewis did to me that I trawled the internate and found Niddy so I'm now a dedicated deciple of Niddy Skool and have seen off loads of other creditors with the awesome letters. So from every negative comes a positive - well at least that was what I told my daughter each time she flunked her exams :-( I like your posts and your attitude - it's infectious in a good way.

[Pixie]

Re: Pixie's UE diary

Thank you Caspar.

My attitude has changed so much since I've been on the forum. I used to lie awake worrying about my debts and was almost suicidal - not any more!

They wouldn't listen to me when I needed a bit of leeway with payments so stuff them!!

[caspar]

Re: Pixie's UE diary

I love the attitude Pixie - spot on IMO! They've got their CCJ - why on earth would you want to speak to someone who took you to court?

[Pixie]

Re: Pixie's UE diary

I had a text message today from the Lewis Group asking me to phone them. They were the dcas who I got one demand from before they took me to court.

Of course I'm not going to contact them, I'm not sure how they've got my phone number. Do you think that it's because I've now made 3 payments on my ccj? Perhaps they want to know if my circumstances have changed?

As far as I'm concerned, they've got their ccj, the payment was set by the judge and I'm up-to-date with the payments.

[Never-In-Doubt]

Re: Pixie's UE diary

Just ignore both Pixie

[MrsD]

Re: Pixie's UE diary

I've got a an unasked for tree load as well, what dopes they are!

[5corpio]

Re: Pixie's UE diary

Received a big thick envelope today from Moorcroft (LTSB - UE) containg a forest of paper.

"As requested we are pleasd to provide your copy statement. If you should require further assistance. Please contact Customer Services." It contained statements for the last 5 years. Errr, thanks but I've already got them and I didn't request them.

Goes on to say that they have placed my account on hold for 14 days to allow me time to contact them with a payment plan. If I fail to do this they will be left with no alternative but to commence further action against me.

Will also ignore.

Yup, they done that to me before for another account - don't why - suppose they trying to say 'look you've used the account to buy something with the card'

[Pixie]

Re: Pixie's UE diary

Received a big thick envelope today from Moorcroft (LTSB - UE) containg a forest of paper.

"As requested we are pleasd to provide your copy statement. If you should require further assistance. Please contact Customer Services." It contained statements for the last 5 years. Errr, thanks but I've already got them and I didn't request them.

Goes on to say that they have placed my account on hold for 14 days to allow me time to contact them with a payment plan. If I fail to do this they will be left with no alternative but to commence further action against me.

Will also ignore.

[5corpio]

Re: Pixie's UE diary

Letter from Fredrickson's today re Capital One (UE) thanking me for my letter and telling me that, if I require documentation under the CCA Act, I can request it directly from their client with the appropriate fee of £1. In the meantime I've to contact them with my payment proposals.

Do they read the letters I send them?

Will just ignore.

Yup got one today same as lol
i named mine 'Ring-a-Ring-a-Roses'

[Pixie]

Re: Pixie's UE diary

yep, just ignore it - idiots!

Letter from Fredrickson's today re Capital One (UE) thanking me for my letter and telling me that, if I require documentation under the CCA Act, I can request it directly from their client with the appropriate fee of £1. In the meantime I've to contact them with my payment proposals.

Do they read the letters I send them?

Will just ignore.

[Never-In-Doubt]

Re: Pixie's UE diary

Bloody Capital One! Talk about the left hand doesn't know what the right hand is doing!

I have received a letter from Capital One themselves thanking me for writing back about my cca request - I haven't corresponded with Capital One themselves for more than 6 months.

Will just ignore as it's basically a creditor's final response.

yep, just ignore it - idiots!

[MrsD]

Re: Pixie's UE diary

me too,

[5corpio]

Re: Pixie's UE diary

Bloody Capital One! Talk about the left hand doesn't know what the right hand is doing!

I have received a letter from Capital One themselves thanking me for writing back about my cca request - I haven't corresponded with Capital One themselves for more than 6 months.

Will just ignore as it's basically a creditor's final response.

Yup i got one of them as well, 6-8 mth last communications or something lol the day after Fredricksons Inter Ltd Solicitors sent me