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Re: BillyTommo's UE Diary
Are you OK ? Anything new?
Are you OK ? Anything new?
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if you do it today and you like it you can always do it again tomorrow
I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username. -
Re: BillyTommo's UE Diary
No! Thanks for the nudge. The only thing that I have heard off anyone for months is from Barclaycard telling me that they are still looking for the agreement that I have asked to see. They have been looking for nearly two years now!!Comment
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Re: BillyTommo's UE Diary
well the longer they are looking the better for you x
may I ask that you please check in with us from time to time , you may be of help to someone that is just starting out who may gain from your experiance
all the best NW xxI'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: BillyTommo's UE Diary
I do pop in from time to time but don't always post anything. I don't feel right just posting for the sake of it. I also don't feel qualified to advise people on what they should do in their particular situation. I would hate to give them advice that wasn't the best possible, that had a better alternative. If I see someone has a situation to mine then I will chip in then. I know that people need support to cope with their journey, I know I did and I will be eternally grateful for that. I've said it before and I'll say it again, I'm not sure what would have happened had I not found this site. I was in a really dark place and it was horrible. If anyone is starting out on their UE journey then have a look at my diary. It doesn't take Einstein to work out what my total debt is but a few battles along the way, court threats, one CCJ (didn't take action in time - head in the sand!) we are hurtling towards SB already around 2/3 of the way there. If I can do it, anyone can.Comment
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Re: BillyTommo's UE Diary
None of us are qualified to advise people billytommo, we just offer help based on our own experiences and what we have learned along the way. Sometimes, especially for new members who are often in a very dark place, just a few words saying that you know how they feel or not to worry can help them to realise that they're not alone. That in itself is a big boost for a lot of people.Let your smile change the world but don't let the world change your smile
I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: BillyTommo's UE Diary
Well, I shouldn't have opened my big mouth! Just when I hadn't heard from anyone in what seemed like ages, up pop Shoosmiths with what they say is a re-created copy of my original agreement. This is the Nat West one that we were at stalemate over a couple of years ago because NW were demanding a signature. They say that it is now fully legible. The application form is missing, however. Do I send this in to get looked at or is there something that I can send them to put them back in their box?
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Re: BillyTommo's UE Diary
send it to niddy to have a look at, just to be safeI'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: BillyTommo's UE Diary
What was the last paragraph of Shoosmiths' letter?Originally posted by billytommo View Post
Did it say something like "so we have now fulfilled our obligations under s.78 and if you don't make arrangements to pay within the next 14 days we will issue legal proceedings against you without further notice" or words to that effect.
Just checking it's not a Letter Before Action because Shoosmiths have a reputation for being trigger happy with claims.
We have a suitable template letter response for you to send if it is a LBA so no need to worry
Can you post a link to this debt in your diary or a C & P of the post so we can do a risk assessment before suggesting your next move.Originally posted by billytommo View Post
Plan B xComment
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Re: BillyTommo's UE Diary
Sorry for the delay but the letter doesn't appear to be a LBA as it just states that the agreement that they have just resent to me is now fully legible
They then go on to say the they have included an I&E form for me to fill in with a view to me submitting repayment proposals. They finish by saying they will seek their client's instructions in relation to issuing proceedings. It doesn't mention S. 78 or anything like that. I am working away at the minute so will send to Niddy for his opinion at the weekend.
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Re: BillyTommo's UE Diary
Sent paperwork to Niddy via the Secure Upload your CCA section. Here's hoping it doesn't change the outcome
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Re: BillyTommo's UE Diary
Have you let him know? some time he is so busy, he overlooks them unless you tell him xI'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: BillyTommo's UE Diary
I haven't actually but I thought that the idea was that he was alerted to anything that appeared in the new section and then he could decide who to allocate it to. I'll send him a short message to ask himComment
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Re: BillyTommo's UE Diary
Posted at 07.39 am today
Originally posted by billytommo View Post
Posted 4 hours laterOriginally posted by nightwatch View Post
It's a weekend so maybe it's a bit too soon to nag Niddy for an instant answerOriginally posted by billytommo View Post
Is there a legal threat with a deadline to meet?
Plan B xComment
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Re: BillyTommo's UE Diary
No legal threat at the minute but I suppose I am always cautious with this lot as it was them who got a CO on my house
That was early days I know and at the very start of my UE journey. I hope that he doesn't see it as nagging because that certainly wasn't the intention 
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