Pixie's UE diary

[Never-In-Doubt]

Re: Pixie's UE diary

Letter received today from Debt Managers (re Barclaycard UE account) in response to my Threat-o-Gram - Letter before Action sent 24th Feb. They say their client has fulfilled their obligation under s78. Go on to say that, under OFT guidelines, the agreement does not have to include my signature of the date I signed it.

They have included an I&E form so I can send an offer of repayment.

I wonder what has happened to their threat of sending court papers within 7 days if I didn't pay in full (post #161)?

Guess what? I'm going to ignore it

Hiya, yea - just ignore for the time being!

[Pixie]

Re: Pixie's UE diary

Letter received today from Debt Managers (re Barclaycard UE account) in response to my Threat-o-Gram - Letter before Action sent 24th Feb. They say their client has fulfilled their obligation under s78. Go on to say that, under OFT guidelines, the agreement does not have to include my signature of the date I signed it.

They have included an I&E form so I can send an offer of repayment.

I wonder what has happened to their threat of sending court papers within 7 days if I didn't pay in full (post #161)?

Guess what? I'm going to ignore it

[Never-In-Doubt]

Re: Pixie's UE diary

Received a letter today from Fredrickson's re Capital One (UE). As I've provided evidence of their client complying with my cca request, they would be grateful if I could confirm what my dispute is. If I'm disputing the agreement than I have to contact Capital One's complaint department.

Are they being deliberatley obtuse or just plain thick??!! Really feel like I want to send a very sarcastic letter back but should I just ignore?

I would send a quick reply back, reading back - this was an application form right? So to respond, just send Fredricksons a copy of your letter that you sent Crappy 1 (from this post here: #35) and say "this is the reason I am disputing the account". Leave it at that!

The actual template in question though, is this one (however send a photocopy of the exact one you sent originally with the same date etc on it) ---> CCA Query - Application Form Received

Also received a letter from Howard Cohen Solicitors re Santander card (enforceable because of date) - Notice of Pending Legal Action.

It says that they have been instructed to prepare court papers for issue against me for non-payment of the debt. They will rely on my reply (or lack of any reply) in deciding what further action to take. This letter seems more formal than other solicitor's letters I've received. It goes on to say "please consider this letter to be a Letter of Claim under the Practice Direction (Protocols) pusuant to the Civil Procedure Rules 1998.

Do I write and tell them that I can't pay it as I have been claiming JSA for the last 11 months (while it's still ttrue)? Do I make a F&F offer (but as the debt is close to £4K it would only be a low offer which they probably wouldn't accept)? Or do I ignore it and see if they serve court papers?

Its up to you, you may be best for the moment sending this back to them (a new letter) - Yes, I know it suggests you have never received a CCA but that's fine - just act daft (not hard) ---> Threat of Legal Action - CCA Request in Default

Then see what that does. Worse case here, they issue papers at which point you could then agree to a repayment plan or just continue to ignore them and let them CCJ you (if it ever goes that far).... as you say, you have no assets that they can touch so don't capitulate right now (unless you want to..?)

[Pixie]

Re: Pixie's UE diary

Received a letter today from Fredrickson's re Capital One (UE). As I've provided evidence of their client complying with my cca request, they would be grateful if I could confirm what my dispute is. If I'm disputing the agreement than I have to contact Capital One's complaint department.

Are they being deliberatley obtuse or just plain thick??!!

Really feel like I want to send a very sarcastic letter back but should I just ignore?


Also received a letter from Howard Cohen Solicitors re Santander card (enforceable because of date) - Notice of Pending Legal Action.

It says that they have been instructed to prepare court papers for issue against me for non-payment of the debt. They will rely on my reply (or lack of any reply) in deciding what further action to take.

This letter seems more formal than other solicitor's letters I've received. It goes on to say "please consider this letter to be a Letter of Claim under the Practice Direction (Protocols) pusuant to the Civil Procedure Rules 1998.

Do I write and tell them that I can't pay it as I have been claiming JSA for the last 11 months (while it's still ttrue)? Do I make a F&F offer (but as the debt is close to £4K it would only be a low offer which they probably wouldn't accept)? Or do I ignore it and see if they serve court papers?

[Never-In-Doubt]

Re: Pixie's UE diary

Snotty letter received from Rockwell's (re M&S card) saying that they responded to the same letter in January. They are referring back to M&S for further instructions.

Will wait and see what happens next

Yep, see what they want to do next yea?

[Pixie]

Re: Pixie's UE diary

Snotty letter received from Rockwell's (re M&S card) saying that they responded to the same letter in January. They are referring back to M&S for further instructions.

Will wait and see what happens next

[Pixie]

Re: Pixie's UE diary

They are part of LTSB as are SCM, it should say this at the bottom of the letter, all the letters i had said 'MHA/SCM is a trading name of LTSB'

Muppets.

Didn't get around to reading the small print at the bottom of the letter - OH was here and we had better things to do

Pixie,

I am so impressed that, in the midst of all this rubbish being thrown at you, you have not lost your sense of humour - and the ability to spot grammatical errors! A girl after my own heart - long may it continue!

Perhaps it's our generation but I hate grammatical errors. Don't even get me started on text-speak!

She needs a sense of humour considering who she supports & where she comes from lol.

You're not wrong there Swanny!!!

Oooooh, scary stuff eh? Nope, not really!

They are all the same really, its a bloody joke how they think changing a name makes us think they have "sold the account" - idiots think we're idiots! Anyway, moving swiftly on, can you confirm when you sent the threat of litigation response to SCM?

Sent it on 24th Janauary '11.

So they are saying they'll do a search to check for property ownership, then realise you don't own one and ermmmm, do nothing!

Yep, i'd be shitting myself at this Pixie, quick - catch a flight to Cuba and never come back

I hope you're coming back!!!

As you can tell, the sarcasm flows tonight - yep, you guessed it - ignore this nonsense and lets see what they are going to do when they find out you don't have a mortgage!

Will do.

[Never-In-Doubt]

Re: Pixie's UE diary

They are indeed nouns, Niddy - and you know that as well as any of us! But, it might damage your street cred more if you admit to knowing such a thing

shhhhhh

[Phoenix]

Re: Pixie's UE diary

I don't see why Pixie would need to lose her humour, unless she was going to the Pub for a Meal with some Friends - do you? Maybe she could take her Dog with her, on a Lead? To find the Pub was closed!



(I hope the above are nouns and i've not lost my street-cred will to live - eeeek)

They are indeed nouns, Niddy - and you know that as well as any of us! But, it might damage your street cred more if you admit to knowing such a thing

[swanfan]

Re: Pixie's UE diary

I don't see why Pixie would need to lose her humour

She needs a sense of humour considering who she supports & where she comes from lol.

[Never-In-Doubt]

Re: Pixie's UE diary

Pixie,

I am so impressed that, in the midst of all this rubbish being thrown at you, you have not lost your sense of humour - and the ability to spot grammatical errors! A girl after my own heart - long may it continue!

I don't see why Pixie would need to lose her humour, unless she was going to the Pub for a Meal with some Friends - do you? Maybe she could take her Dog with her, on a Lead? To find the Pub was closed!



(I hope the above are nouns and i've not lost my street-cred will to live - eeeek)

[Phoenix]

Re: Pixie's UE diary

I thought the custom of beginning nouns with capital letters went out with the Victorians.

Pixie,

I am so impressed that, in the midst of all this rubbish being thrown at you, you have not lost your sense of humour - and the ability to spot grammatical errors! A girl after my own heart - long may it continue!

[Never-In-Doubt]

Re: Pixie's UE diary

Letter from MHA Collections re LTSB card (UE) - I've to pay the arrears immediately or SCM Solicitors may commence legal proceedings against me.

Oooooh, scary stuff eh? Nope, not really!

Presumably MHA are still part of LTSB? Should I send the 'new - account sold while in dispute' letter? SCM Solicitors have already had the threat to commence litigation letter.

They are all the same really, its a bloody joke how they think changing a name makes us think they have "sold the account" - idiots think we're idiots! Anyway, moving swiftly on, can you confirm when you sent the threat of litigation response to SCM?

Letter from Link Financial re GE Money debt (enforceable) - They want me to call them in relation to the outstanding sum owing to discuss options available to settle the debt. If I don't make an offer to repay the (full) amount they may review the information held on me by the CRAs to ascertain how they can best ensure this debt is repaid.

So they are saying they'll do a search to check for property ownership, then realise you don't own one and ermmmm, do nothing!

Yep, i'd be shitting myself at this Pixie, quick - catch a flight to Cuba and never come back

As you can tell, the sarcasm flows tonight - yep, you guessed it - ignore this nonsense and lets see what they are going to do when they find out you don't have a mortgage!

[swanfan]

Re: Pixie's UE diary

Presumably MHA are still part of LTSB?

They are part of LTSB as are SCM, it should say this at the bottom of the letter, all the letters i had said 'MHA/SCM is a trading name of LTSB'

Muppets.

[Pixie]

Re: Pixie's UE diary

Letter from MHA Collections re LTSB card (UE) - http://forums.all-about-debt.co.uk/s...9&postcount=14

I've to pay the arrears immediately or SCM Solicitors may commence legal proceedings against me.
Presumably MHA are still part of LTSB? Should I send the 'new - account sold while in dispute' letter? SCM Solicitors have already had the threat to commence litigation letter.

Letter from Link Financial re GE Money debt (enforceable) - http://forums.all-about-debt.co.uk/s...57&postcount=5

They want me to call them in relation to the outstanding sum owing to discuss options available to settle the debt.
If I don't make an offer to repay the (full) amount they may review the information held on me by the CRAs to ascertain how they can best ensure this debt is repaid.