Pixie's UE diary

[Elsie52]

Re: Pixie's UE diary

Barlcaycard must be trying to get some money back Pixe. I had one of those letters today from Credit Solutions re my Barclaycard........what bargains we are missing. lol

[Pixie]

Re: Pixie's UE diary

Received a very kind offer today from Debt Managers re my UE Barclaycard account.

My overdue account may qualify for a reduction and I have to phone them immediately to discuss any possible discount.

Do they really think I'm so stupid?!!!

It goes on to say that settlement of this overdue account may help to improve my financial status. It would be a miracle if it did!

[Never-In-Doubt]

Re: Pixie's UE diary

Received another one today that I'll have to wait and see

(Rockwell's re M&S card)

[Pixie]

Re: Pixie's UE diary

Received another one today that I'll have to wait and see

(Rockwell's re M&S card)

[Never-In-Doubt]

Re: Pixie's UE diary

Final demand received today (red paper AND red lettering!) from Lewis Debt Recovery giving me until Friday to pay the full amount owing . This is regarding a credit card account which is too new to be UE and has been defaulted.

I stopped paying 6 months ago having made token payments for a few months before that. I have just been ignoring the lender's letters.

They go on to make the usual threats about legal action and dcas calling at my home

I'll just ignore and see what happens next.

Also received an annual statement for my GE Money loan ( http://forums.all-about-debt.co.uk/s...57&postcount=5 ) which at first Niddy said was UE and then said it was enforceable after all .

I stopped making payments in April (they wouldn't accept token payments.) In November they said they may sell the debt to a debt collector but all I've had are letters from GE Money themselves saying that my account is in arrears. There's a fee for Default Notice in November on my statement but wasn't showing when I checked my credit report recently (just had 'not updated' from Jan to June and nothing at all for the rest of the year.)

I'd just wait and see what happens on all counts, not much we can do really - its more a case of if and when they try and take court action, that we change tactics.......

[Never-In-Doubt]

Re: Pixie's UE diary

A couple of things received today from Fredricksons re Capital One credit card ---> http://forums.all-about-debt.co.uk/s...1&postcount=15

I assume ignore and see what they come up with next?

Yep, see what happens next

[Pixie]

Re: Pixie's UE diary

Final demand received today (red paper AND red lettering!) from Lewis Debt Recovery giving me until Friday to pay the full amount owing . This is regarding a credit card account which is too new to be UE and has been defaulted.

I stopped paying 6 months ago having made token payments for a few months before that. I have just been ignoring the lender's letters.

They go on to make the usual threats about legal action and dcas calling at my home

I'll just ignore and see what happens next.

Also received an annual statement for my GE Money loan ( http://forums.all-about-debt.co.uk/s...57&postcount=5 ) which at first Niddy said was UE and then said it was enforceable after all .

I stopped making payments in April (they wouldn't accept token payments.) In November they said they may sell the debt to a debt collector but all I've had are letters from GE Money themselves saying that my account is in arrears. There's a fee for Default Notice in November on my statement but wasn't showing when I checked my credit report recently (just had 'not updated' from Jan to June and nothing at all for the rest of the year.)

[Pixie]

Re: Pixie's UE diary

A couple of things received today from Fredricksons re Capital One credit card ---> http://forums.all-about-debt.co.uk/s...1&postcount=15

I assume ignore and see what they come up with next?

[Pixie]

Re: Pixie's UE diary

Yep, the new version

---> NEW Account sold - whilst in Default of CCA Request

Of course!!

[Never-In-Doubt]

Re: Pixie's UE diary

Update to Capital One http://forums.all-about-debt.co.uk/s...1&postcount=15

Send 'sold whilst in default of cca request' letter?

Yep, the new version

---> NEW Account sold - whilst in Default of CCA Request

[Never-In-Doubt]

Re: Pixie's UE diary

Update to Barclaycard http://forums.all-about-debt.co.uk/s...13&postcount=2

Ignore?

Yep - just ignore

[Pixie]

Re: Pixie's UE diary

Update to Capital One http://forums.all-about-debt.co.uk/s...1&postcount=15

Send 'sold whilst in default of cca request' letter?

[Pixie]

Re: Pixie's UE diary

Update to Barclaycard http://forums.all-about-debt.co.uk/s...13&postcount=2

Ignore?

[Never-In-Doubt]

Re: Pixie's UE diary

Letter from Newmans (re Tesco cc)

Say that they have conferred with their client and the CCA was sent in July, therefore their client is not in default of CCA request & they consider this matter resolved.

Do I need to do anything with this or just wait to see what their next step is?

No response necessary.....

Letter from SCM Solicitors re LTSB card.

If LTSB don't receive payment within 14 days court proceedings may be instigated against me without further reference. Which letter should I send in reply (as I got a slapped wrist the last time I had a solicitor's letter )

This: ---> Threat by Lender/D.C.A - To commence litigation

[Never-In-Doubt]

Re: Pixie's UE diary

Letter received from Rockwells (re M&S card) referring me back to their previous leter and saying that they've received confirmation from Royal Mail that the documentation I had requested was received and signed for. They will not enter into any further discussions or correspondence & suggest I should get legal advice if I'm querying the documents supplied.

Unless they receive firm and realistic repayment proposals within 14 woking days further recovery action will commence.

Ok, lets see what happens then eh?