Flossy UE Diary & YB Hassle

[Flossy]

Re: Flossy UE Diary & YB Hassle

Can you for now literally send the threat of litigation response that MrsD and I suggested you send. No need for missing PT's at this stage as it's passed that now. We need to concentrate on the actual issue of the legal threat. I'll come back to you regards the CCA later but for now that doesn't affect the sending of the template suggested. No missing PT's, just the threat of litigation template

I have sent the PT letter at the time the CCA came back thats what Flower had asked me9.

Where it says in dispute with ** If I sent to Cabot then I cant put Cabot in DCA space? Then, it goes on about the OC?

[Deepie]

Re: Flossy UE Diary & YB Hassle

Here is the link---------> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

PT when the CCA came back.

Threat by Creditor -Threat O Gram letter before Action that you suggested I send. I have not sent this letter but was going to tomorrow until you asked to see my CCA again.

Can you for now literally send the threat of litigation response that MrsD and I suggested you send. No need for missing PT's at this stage as it's passed that now. We need to concentrate on the actual issue of the legal threat. I'll come back to you regards the CCA later but for now that doesn't affect the sending of the template suggested. No missing PT's, just the threat of litigation template

[Flossy]

Re: Flossy UE Diary & YB Hassle

Please hold fire, what letters are these?

PT when the CCA came back.

Threat by Creditor -Threat O Gram letter before Action that you suggested I send. I have not sent this letter but was going to tomorrow until you asked to see my CCA again.

[helmsman]

Re: Flossy UE Diary & YB Hassle

Yes, they normally do and yes they have Morgans. They are at the same address and it is with the litigation team. I have done the letter flower asked and I will do the letter that MrsD mentioned and to try and send tomorrow as I have no way of getting to post anything as you know I cant just go out. I have no carer today now so I will do the letter today and post it at the hospital tomorrow.

Hi,
Cabot have just sacked Morgans from the case against us and have another solicitor to take their case forward. But we have Paul on the case for us and methinks they are running scared. Always send the letters suggested by the helpful team on here keep the paper trail going.
Good Luck Flossy and try not to stress.

[PlanB]

Re: Flossy UE Diary & YB Hassle

I've benefitted from the AAD 'Pick & Mix' plan.

I've sorted out the ones which are UE and they get Template Letters as and when. And the ones which are Enforceable are in a home made DMP. Simples

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

Can you, if you are able to and have the time, post one post here with a mini update of events to date, so a mini diary summarised into one bigger post? That way I can get right up to date with things and we can start to tackle things head on.

I asked Jon to do this, see his version here which is purrrrfect

---> Jon1965's Diary - Page 22 - allaboutFORUMS

As an aside, as you must appreciate you deal with your cases only - I also have ones like Jons, above plus another 100+ users so to be fair, I do help - more than most and my memory is only so good - I'm 40 now remember

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

Why would I take the piss by saying Yes to a question? Did I offend Flower or anyone by saying Yes to a question asked? I know your having a shit time and I know that everyone works hard to help, but, your comments are not nice and frankly out of order.

Because we had asked several questions that were left unanswered whilst you asked more. I'm not having a shit time, and I most certainly do not take anything out on users. My comments are how I feel, sorry you disagree but that is how I feel about things right now. You must also remember I work 80hrs a week in my normal job, therefore the harder you make your diary the less I will respond. Make it easy and I will be there the same hour, let alone the same day! As I say, you may think what I said was harsh but if you compare this to other diaries you will see that it is very confusing and the fact you answered with yes, led me to ask if you were taking the piss.

Yes, I am feeling ill today and have had a shit day but, I have asked and updated my diary and put it all in to separate posts as I was asked to. I then updated again and I did not get a reply from anyone. Until today when I got the letter.

I am sorry nobody replied but as I am trying to explain, people get confused with your thread so they come in and leave again. I can see viewing history, you cannot and it's clear that this is confusing most - ask anyone that has replied. I think I am the most suitable to make this assumption being I am pretty much able to answer most posts as I do keep up to things but finding a spare hour or two is hard, that is what I was trying to say.

You said the CC was UE but it wasn't like a 100% so, I am worried of course, anyone would be.

Let me come back to you on this - when you resend the agreement and terms yea? Then we'll try and sort it one way or another

You are the one that has been saying that Cabot are quick to jump on you in earlier posts and after what your dealing with yourself you should understand how much I want to avoid any kind of problem and ending up in court. I can not afford to pay for solicitors all the time to help me and I am unable to afford to loose the roof over my head.

But you are paying them each week! I understand what I am saying. You are paying, so don't worry! If they try and enforce then we'll try and stop it. If you're that scared then UE is not for you, there is always risk but never attempt UE unless you already have nothing to lose (ie already at the end of the road). Make sense?

I am not having a go at you, don't think I am. I am however asking you to consider that we cannot follow and help when the thread is in such a state. That's not entirely your fault and I am not saying it is either - but be honest, it's long, there are a lot of debts and a lot of correspondence. Maybe I can learn from this too, so I suggest a compromise?

Can you, if you are able to and have the time, post one post here with a mini update of events to date, so a mini diary summarised into one bigger post? That way I can get right up to date with things and we can start to tackle things head on.

Ultimately you need to establish if you want to pay or carry on with UE - but whatever, you do need to try and stop stressing. If they take action then they will do so and we need to address that at that time. We always reply on them not pursuing things through court but some do. We cannot stop that.

If this terrifies you then maybe UE is not the best option. BR would be but you have houses so that's a no-no. See the dilemma? You're asking us to make the best of a really bad situation.

I am not having a go. Trust me

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

Yes, they normally do and yes they have Morgans. They are at the same address and it is with the litigation team. I have done the letter flower asked and I will do the letter that MrsD mentioned and to try and send tomorrow as I have no way of getting to post anything as you know I cant just go out. I have no carer today now so I will do the letter today and post it at the hospital tomorrow.

Please hold fire, what letters are these?

[PlanB]

Re: Flossy UE Diary & YB Hassle

Yes, they normally do and yes they have Morgans. They are at the same address and it is with the litigation team. I have done the letter flower asked and I will do the letter that MrsD mentioned and to try and send tomorrow as I have no way of getting to post anything as you know I cant just go out. I have no carer today now so I will do the letter today and post it at the hospital tomorrow.

Good luck with your appointment at the hospital tomorrow

[Flossy]

Re: Flossy UE Diary & YB Hassle

Nothing is ever 100% UE until a judge stipulates it. I have advised in my opinion right now as things stand this account IS unenforceable. However, for now and until you get other things under control continue paying the £1p/w as this will help you should they attempt to enforce. That said, you ought to have been sending templates anyway - as we've advised for the last few months.....

Can you resend me the agreement and terms, let me check again before sending or doing anything. Thanks

Yes, I can and I will do so now. Thank you.

[Flossy]

Re: Flossy UE Diary & YB Hassle

Mrs D has a good point. A Letter Before Action is usually sent by a solicitor, but if I remember rightly Cabot often use their own in-house litigators known as Morgans. The 'job description' under the signature on that letter may give you a clue if it says it's from the *Litigation Team* or similar. Hopefully not

Yes, they normally do and yes they have Morgans. They are at the same address and it is with the litigation team. I have done the letter flower asked and I will do the letter that MrsD mentioned and to try and send tomorrow as I have no way of getting to post anything as you know I cant just go out. I have no carer today now so I will do the letter today and post it at the hospital tomorrow.

[Flossy]

Re: Flossy UE Diary & YB Hassle

Flossy, are you taking the piss here? Since when was yes an answer?



tell you what, come back when you're ready to deal with things; have time to answer us and have the inclination to actually appreciate the time I and others spend here trying to help you.

Yes, is not an answer. Yes, I posted it on X and to that they responded with Y is more of an appropriate response. Stop stressing behind closed doors, speak to us and we will assist - right now you're fretting over something that just hasn't happened.

If this continues you'll end up with action cos not only are we confused, but you must be!

Thanks

Niddy!

Why would I take the piss by saying Yes to a question? Did I offend Flower or anyone by saying Yes to a question asked? I know your having a shit time and I know that everyone works hard to help, but, your comments are not nice and frankly out of order.

Yes, I am feeling ill today and have had a shit day but, I have asked and updated my diary and put it all in to separate posts as I was asked to. I then updated again and I did not get a reply from anyone. Until today when I got the letter.

You said the CC was UE but it wasn't like a 100% so, I am worried of course, anyone would be.
You are the one that has been saying that Cabot are quick to jump on you in earlier posts and after what your dealing with yourself you should understand how much I want to avoid any kind of problem and ending up in court. I can not afford to pay for solicitors all the time to help me and I am unable to afford to loose the roof over my head.

Why the comment of come back when I am ready to deal with things? I have been trying to deal with things all morning. I have just been away from my pc for a short time while I deal with my pain.
I've been ready to deal with things for a few weeks... Please do not have a go at me on the thread like that as it is not very nice and uncalled for.

I will go through things bit by bit and make it so people can understand what I am saying.

Thanks.

[PlanB]

Re: Flossy UE Diary & YB Hassle

what exactly does the letter say Flossy and who is it from, is it a solicitor?

Mrs D has a good point. A Letter Before Action is usually sent by a solicitor, but if I remember rightly Cabot often use their own in-house litigators known as Morgans. The 'job description' under the signature on that letter may give you a clue if it says it's from the *Litigation Team* or similar. Hopefully not

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

Niddy is this CC 100% UE or can they make it EN by whatever means?

If it is UE I can go ahead and start sending all the right letters (as above) and fight them.

I am just concerned after what they did before.

Thank you

Nothing is ever 100% UE until a judge stipulates it. I have advised in my opinion right now as things stand this account IS unenforceable. However, for now and until you get other things under control continue paying the £1p/w as this will help you should they attempt to enforce. That said, you ought to have been sending templates anyway - as we've advised for the last few months.....

Can you resend me the agreement and terms, let me check again before sending or doing anything. Thanks