MattyA UE Diary

[MattyA]

Re: MattyA UE Diary

I've had dealings with them - which resulted in a ccj BUT it was for an enforceable debt.

[MattyA]

Re: MattyA UE Diary

Send legal threat for now mate. If they try court then make offer to settle (10%)!

Fingers crossed.

[Never-In-Doubt]

Re: MattyA UE Diary

Fingers crossed.

You'll be fine mate. What's the balance again?

[MattyA]

Re: MattyA UE Diary

You'll be fine mate. What's the balance again?

£13k odd .........

[Never-In-Doubt]

Re: MattyA UE Diary

£13k odd .........

Hmmm ok - lets see what happens. Don't wanna have to ever repay 100%!

[MattyA]

Re: MattyA UE Diary

Hi - Happy New Year to all.

Letter received from Howard Cohen in response to my letter (Threat of legal action) saying that they were unaware of any request that I have made for a copy of my CCA and have asked for thier clients instructions.....and that once received they will revert back accordingly.

Will let you know what they come back with - Cant see 'em rolling over for this kind of value.
(They are DCA number 4 though which gives me some hope as if there is a case why didnt DCA no1 stick me in court - or no's 2 / 3...or did I just get lucky so far?)

Matty.

[garlok]

Re: MattyA UE Diary

Hi - Happy New Year to all.

Letter received from Howard Cohen in response to my letter (Threat of legal action) saying that they were unaware of any request that I have made for a copy of my CCA and have asked for thier clients instructions.....and that once received they will revert back accordingly.

Will let you know what they come back with - Cant see 'em rolling over for this kind of value.
(They are DCA number 4 though which gives me some hope as if there is a case why didnt DCA no1 stick me in court - or no's 2 / 3...or did I just get lucky so far?)

Matty.

Hi Matty,

Happy New Year.

Just a quick comment. We are have gone through 16DCAs with friends Barclaycard. A Dca working only as an agent for or on equitable assignment only for a creditor cannot bring an action in court against a debtor of their own volition. They only have cause of action in conjunction with the original creditor or the current OWNER of the debt. In our case two accounts have now actually been sold to another bunch of lowlifes, who specialise in lemons, so that may bring a different set of ground rules. Being as no legally substantive paperwork has been forthcoming for the last two and half years I would suggest that the OC was unwilling to try their hand in a court of law and just tried to bring us to heel.

Lets hope yours all fall into the same basket.

regards
Garlok

[MattyA]

Re: MattyA UE Diary

Hi Matty,

Happy New Year.

Just a quick comment. We are have gone through 16DCAs with friends Barclaycard. A Dca working only as an agent for or on equitable assignment only for a creditor cannot bring an action in court against a debtor of their own volition. They only have cause of action in conjunction with the original creditor or the current OWNER of the debt. In our case two accounts have now actually been sold to another bunch of lowlifes, who specialise in lemons, so that may bring a different set of ground rules. Being as no legally substantive paperwork has been forthcoming for the last two and half years I would suggest that the OC was unwilling to try their hand in a court of law and just tried to bring us to heel.

Lets hope yours all fall into the same basket.

regards
Garlok

Cheers Garlock - thanks for your input / comments.
Fingers crossed.

Matty

[MattyA]

Re: MattyA UE Diary

BOS Master card - deemed UE / not paid since June 2010 (£6K+ balance)

Moorcroft have popped up as the latest DCA to pick up this crock of S**t - threatening me with legal action etc etc etc .
Have sent of the 'threat of legal action ' template & will see what this brings.

They have numerous of my various accounts on their books and each one has been sent back after a bit of letter (template) tennis.......Time will tell with this one

Matty

[MattyA]

Re: MattyA UE Diary

I already have with your help a (£1K brutal Niddy special) to gothia who ignored and passed on to Resolution.
I sent Resolution a copy of the gothia letter and reitterated my position,upping my offer to £2k - after being able 'to raise more money from my parents' at the expense of my other ctreditors.
The letter mentioned above is in reply to my last offer.
Gothia initially made an offer for me to pay £4K in full & final settlement - actual balance is £6.4K but this does include some default charges and associated interest.

They dont seem to want to play ball.....

Matty

M&S - Enforceable - Balance £6K odd - last paid June 2010.

Response finally received from Gothia (Headed - Final Response)on my revised offer and complaint (Lol).
They have investigated blah blah and have done nothing wrong etc etc.

There client is willing to accept £3.3K in full and final settlement which represents half of the amount outstanding.
(They do however mention in their letter that they acted in good faith when they purchased my account)

I have swung the lead on this one for more than 18 months and maybe its time to settle??

Your thoughts on this would be much appreciated Niddy.

Thanks as always in anticipation.

Matty

[Never-In-Doubt]

Re: MattyA UE Diary

Too high mate. I'd Reject the offer.

Did it have ppi btw?

I would still say £2k is quite a lot. However £3.3 is way too much.

[oscar]

Re: MattyA UE Diary

Agree with Niddy - like that guy in the film "Used Cars" said - "That price is just too f***ing high"

On a side note, (and Niddy is privvy to more info on it all than I) something must be holding them back - I cant see why they would let it drag on this long if it was fully enforceable - no ppi or charges on top etc etc.

Maybe I am seeing more than there is, but summat doesnt quite ring true to me.

[MattyA]

Re: MattyA UE Diary

Too high mate. I'd Reject the offer.

Did it have ppi btw?

I would still say £2k is quite a lot. However £3.3 is way too much.

No PPI - mores the pity.

If they do own it as they say - how much will they have likely paid for it?

They do say in their letter that they will consider lower payments (Lower than Zero - which is all they have had for a long time?).

Do you think I should reject it outright and see what happens or try and meet em half way (2650) ?

Matty

[MattyA]

Re: MattyA UE Diary

Agree with Niddy - like that guy in the film "Used Cars" said - "That price is just too f***ing high"

On a side note, (and Niddy is privvy to more info on it all than I) something must be holding them back - I cant see why they would let it drag on this long if it was fully enforceable - no ppi or charges on top etc etc.

Maybe I am seeing more than there is, but summat doesnt quite ring true to me.

Thanks Oscar - No PPI but there are plenty of charges......I too really dont know why they have not banged this into court as yet?


Matty

[Never-In-Doubt]

Re: MattyA UE Diary

No PPI - mores the pity.

If they do own it as they say - how much will they have likely paid for it?

They do say in their letter that they will consider lower payments (Lower than Zero - which is all they have had for a long time?).

Do you think I should reject it outright and see what happens or try and meet em half way (2650) ?

Matty

Hi matey

what did they send you by way of agreement, i.e. was it a signed copy? (sorry can't remember)...