BillyTommo's UE Diary

[Pixie]

Re: BillyTommo's UE Diary

I'm tempted to ignore

That's what I'd be tempted to do too

[billytommo]

Re: BillyTommo's UE Diary

After CSL dropped this account, the latest mugs are Regal Credit. I think I'll pop a SWID letter in the post unless people think otherwise .....

My NW account due to 4 sets of terms, Regal Credit have sent a further 2 letters basically saying that I have ignored them. This is despite me sending them the SWID template which they haven't referred to at all I'm tempted to send the doorstep template as that's what they are suggesting is the next step but will they read it?

[nightwatch]

Re: BillyTommo's UE Diary

tell them they are to late to visit your doorstep, as it passed away last year and you have been to upset to replace it. then see what they send!

[SA Gold]

Re: BillyTommo's UE Diary

I've said it before and I don't mind saying it again, it certainly makes it a far less rocky road with this unbelievable site to guide us all along

So true mate.

[vint1954]

Re: BillyTommo's UE Diary

My NW account due to 4 sets of terms, Regal Credit have sent a further 2 letters basically saying that I have ignored them. This is despite me sending them the SWID template which they haven't referred to at all I'm tempted to send the doorstep template as that's what they are suggesting is the next step but will they read it?

I would just send a one liner referring them back to your SWID letter. Enclose a doorstep letter.

[billytommo]

Re: BillyTommo's UE Diary

Just received another letter from VIKING DEBT ENFORCEMENT after I sent them the SWID template. Their latest letter doesn't mention the SWID at all. It basically just says that the full balance is due I'm tempted to ignore

In response to my SWID to Viking I have received a letter from Santander thanking me for my S78 request, which I didn't send! I think I'll just wait on this one

[vint1954]

Re: BillyTommo's UE Diary

Yes, wait to see what they send next

[billytommo]

Re: BillyTommo's UE Diary

I have two accounts that I have relatively recently stopped paying, Halifax and Santander. I have only received statements up until now for my Halifax account but I have today received a letter from Akinika Debt Recovery saying that they've been instructed to recover the outstanding balance. I think I'll send them the SWID template

[vint1954]

Re: BillyTommo's UE Diary

That's what I would send Billy

[billytommo]

Re: BillyTommo's UE Diary

That's what I would send Billy

Thanks for that, I thought as much but think it's always better to check

I was wondering whether to CCA the two relatively recent cards in question. I am not sure of the exact dates of inception but thought it might just cause enough delay/doubt to be worth the fiver to send the pair

[MrsD]

Re: BillyTommo's UE Diary

are you paying them Billy?

are they defaulted and on an arrangement or are they not defaulted/

[billytommo]

Re: BillyTommo's UE Diary

are you paying them Billy?

are they defaulted and on an arrangement or are they not defaulted/

No, not paying. Not defaulted either, yet. These are two cards I tried to keep going but they racked up the interest rates. I asked them to freeze the interest, they refused. I, therefore, took the only action I could. I only wish I'd done it a lot sooner

[MrsD]

Re: BillyTommo's UE Diary

in that case, I'd get the CCAs away, not so easy post 2007 but banks ain't perfect, so it's definitely worth a shot

[billytommo]

Re: BillyTommo's UE Diary

Santander sent me my CCA even though I never requested nor paid for one. That one is definitely post 2007 but the Halifax one I think *may* be pre 2007 Do you think it's worth CCA'ing both or just Halifax?

[nightwatch]

Re: BillyTommo's UE Diary

I'd do both. you never know your luck