Pixie's UE diary

[MustGetStraigh]

Re: Pixie's UE diary

Hi Pixie,
Sending a big hug as I can't really give you any more practical advice than has already been given! Must have been a shock but (and I know this is easy to say) don't worry it will all get resolved.
Fingers crossed for you.

[clueless24]

Re: Pixie's UE diary

Hi Pixie
I'm fairly new to the forum and therefore not qualified or knowledgeable enough to offer any advice. However I am an Olympic gold medalist in panic, stress and worry, I can honestly say if it had not been for all the wonderful support I have found on this site I would have been in meltdown weeks ago. I can imagine the turmoil you are in at the moment and just wanted to add my support and say I am sure it can be sorted with the help of the site. Good luck Pixie

[LooLoo]

Re: Pixie's UE diary

Wish there was something I could add or do.... but you know were are here to support you with lots of hugs

xxx

[helmsman]

Re: Pixie's UE diary

hi pixie,
What a shock when the court papers arrive but as the others have said dont panic its not the end of the world, Just get your re determination form ready as if its Northampton they will set a stupid amount for you to pay.
Good luck
Helmsman

[Phoenix]

Re: Pixie's UE diary

How rotten for you, Pixie.

Can't really add anything to Mrs.Dopey's comments - she has put it so well!

Just remember that you have a lot of friends on here, and we have all experienced similar situations. Whatever happens, you are not alone in this - even though it may feel like at times!

Big virtual hugs!

[MrsD]

Re: Pixie's UE diary

Pixie

I know exactly how you feel, try to let the waves of panic fade away and then have a look at the situation. For the moment just take a note of the dates you need to do things by, have a think about what you want to do then come back and give us the detail. If you want to open a thread in the legal section, I'd do that as soon as. Have a good google and work out exactly what a CCJ would mean to you, in your circumstrances at the moment. We're here when you want to move forward.
Dopeyxxx

[Elsie52]

Re: Pixie's UE diary

Hope you get things sorted Pixie. I am sure that you will get help on dealing with this from others who have been through the same thing.

[Pixie]

Re: Pixie's UE diary

I've been served court papers on an enforceable debt

Will wait until the weekend, until I've got my head together a bit more than it is now, to see what to do about it.

[Never-In-Doubt]

Re: Pixie's UE diary

Nice one - see what they bring next eh?

[Oct Revolution]

Re: Pixie's UE diary

I've to ring my account manager to let him know which offer I'd like to take up so that I can protect my credit rating

Methinks he's going to be waiting a long time for the call!

Excellent

[Pixie]

Re: Pixie's UE diary

Nice letter today from MHA Collections re LTSB account (UE.)

I received a letter a couple of weeks ago saying that, if I did not IMMEDIATELY forward payment for the arrears or make a payment TODAY at my nearest LTSB branch then SCM Solictors may commence legal proceedings against me.


They have now sent me one offering me loads of 'deals':

• One payment in F&F settlement at 85% of balance,
• F&F settlement with payments over 3 months at 90% of balance.
• Repay with a minimum payment of 2%.

I've to ring my account manager to let him know which offer I'd like to take up so that I can protect my credit rating

Methinks he's going to be waiting a long time for the call!

[Pixie]

Re: Pixie's UE diary

So in the same letter they admit not sending an agreement with all prescribed terms but then go on to say that they have previously sent you a compliant agreement which does contain all the prescribed terms and even if not, they're happy it's erm compliant?
Is that about the gist of it?

No. They're saying that I sent a leter saying that the agreement doesn't contain the prescribed terms but they say it does.

I would obviously ignore it! The last para simply means that they can actively pursue you for the debt, although they are implying that they think it's all ok and above board meaning they can hassle you and not need to enforce it. Basically, they talk shyte!

I agree with you there!!

Thinking about it, it's probably them catching up with themselves after Westcott said they'd get in touch with MBNA following my request for documentation (it was actually the threat of litigation letter!)

[Never-In-Doubt]

Re: Pixie's UE diary

Had a rather curious letter today from MBNA (UE) acknowledging receipt of my letter dated July 2010 (cca query letter.)

Go on to say that even though I say that the document they provided does not contain all the prescribed terms, they "confirm that you have been provided with a copy of the original credit agreement which we are comfortable correctly showed the prescribed terms." (curious grammar!)

Go on to say that the agreement they entered into with me satisfies all relevant legal and regulatory requirements. "As such, there is no need to seek an enforcement order in order to exercise our rights."

I'm obviously going to ignore this but I don't know why they've sent this now or what they mean by the last sentence.

So in the same letter they admit not sending an agreement with all prescribed terms but then go on to say that they have previously sent you a compliant agreement which does contain all the prescribed terms and even if not, they're happy it's erm compliant?

Is that about the gist of it?

I would obviously ignore it! The last para simply means that they can actively pursue you for the debt, although they are implying that they think it's all ok and above board meaning they can hassle you and not need to enforce it. Basically, they talk shyte!

[Pixie]

Re: Pixie's UE diary

Had a rather curious letter today from MBNA (UE) acknowledging receipt of my letter dated July 2010 (cca query letter.)

Go on to say that even though I say that the document they provided does not contain all the prescribed terms, they "confirm that you have been provided with a copy of the original credit agreement which we are comfortable correctly showed the prescribed terms." (curious grammar!)

Go on to say that the agreement they entered into with me satisfies all relevant legal and regulatory requirements. "As such, there is no need to seek an enforcement order in order to exercise our rights."

I'm obviously going to ignore this but I don't know why they've sent this now or what they mean by the last sentence.

[Pixie]

Re: Pixie's UE diary

Still deciding what to do re Santander/Howard Cohen. I didn't send a cca request to them as the agreement was far too late to be considered for UE. I don't suppose it matters really if they do go for a ccj.