Flossy UE Diary & YB Hassle

[Flossy]

Re: Flossy UE Diary & YB Hassle

or take that para out altogether!

I did think about that but thought I'd check with you before sending anything. Thanks Niddy

[Flossy]

Re: Flossy UE Diary & YB Hassle

You have responded to Mint though haven't you? Therefore await a response from Mint. If however you feel you need to do something then sure, try one of these ---> [url="http://www.all-about-debt.co.uk/templates/general/t9.php"]Our Templates | General Debt Templates | Ask your Creditor to Write off your Debt[/url

Just make sure you sell your heart in it and best of luck.....

I never responded to them after I got the CCA Niddy. I didn't know what to do with them? Sorry I did ask in post 478,479,480

I could try that as they have got proof of my illnesses and my I&E... If I go down this route will they probe into my a/c and things? I have never done this. I will have to try and find a link of people who have on here to look at if anyone knows someone off the top of their head?

I need to reply or I will be getting the Court papers again and I do not want that.
Thanks Niddy

[Flossy]

Re: Flossy UE Diary & YB Hassle

My O.H. businness uses Natwest, she is with another Bank, her wages have not been credited yet, probably Monday.

None of my things have gone in either Gang... Its unbelievable really.. The thing that annoys me is that if you are late by even an hour of putting money in they charge you! Your DD's dont get paid and you then end up being charged on both sides. Yet if they cant pay your money in 'its a computer error, etc and we are sorry but, basically you will have to wait till we sort out the problem'. I have had to get my shopping on my mums card which isnt fair (wonder if she will remember )

I hope your O.H gets paid Monday.. Hopefully they may have sorted things out by then.

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

MBNA No 1

In the PT letter where it says about 'enclosing a copy of the CCA' they sent.. Should I copy the first or second CCA? I feel the first one might be better but as I have never dealt with this before I am uncertain and would like some expert advice before I sent anything to them.

Thanks.

or take that para out altogether!

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

MINT

They know I am ill and have asked for details before now of my health and financial status. I contacted them a while ago when I got advice from CCCS. I wonder can this be used to do something with this account? What I mean is can we try and use my health to help with this case? I dont really know what happens next as no letter has gone back to Mint or Shoosmiths. Could they just issue County Court Claim one day dropped on my doorstep? (I know they can as we all know they play dirty) But, Should they have to send out a further letter warning me? I dont know what Mint / Shoosmiths are like to deal with...

Has anyone dealt with them?

You have responded to Mint though haven't you? Therefore await a response from Mint. If however you feel you need to do something then sure, try one of these ---> Our Templates | General Debt Templates | Ask your Creditor to Write off your Debt

(thanks Jon)

Just make sure you sell your heart in it and best of luck.....

[The Tech Clerk]

Re: Flossy UE Diary & YB Hassle

My O.H. businness uses Natwest, she is with another Bank, her wages have not been credited yet, probably Monday.

[Flossy]

Re: Flossy UE Diary & YB Hassle

I know the best person to ask for the health letters.. POP (Pompey).. He is good with all that and when I joined he helped me a great deal and getting me the help I have now at home with carers, etc..

There was a form to fill in but it seemed to be more about mental illness than physical as well... I know I am mental

When your health is bad especially ongoing you do suffer mentally. I know I have and am. A lot of people on here are ill or their children, etc..

I will have a look at POP's threads and see if I can see anything and then ask for his advice unless Niddy thinks maybe trying something else...

I was pottering around the site before hence the delay in replying.. I was reading your thread from March about MSE thread and reading the news about the Natwest as I am with them and they have been sending me text's saying 'due to systems issues, any money credited to your account overnight may not appear on your balance, etc and then another one just now. ' We apologise to all our customers affected by our current technical issues, we have now fixed the initial problem and our priority is to sort the backlog, etc, etc...

I need to be able to do my banking as everything I do is online due to not being able to get out very much.. Hopefully it will be sorted soon!

[jon1965]

Re: Flossy UE Diary & YB Hassle

It seems they are all down the BR arms.

[Flossy]

Re: Flossy UE Diary & YB Hassle

http://www.all-about-debt.co.uk/temp...general/t9.php

That is the letter and i would think that you could try to send it to any enforceable debt you have. I have heard they are not that often succesful but if you have medical evidence of your illness and it is going to be ongoing then I would say it was worth a shot.

I have seen this letter before. I was looking at all the health letters I could sent in the beginning. I think it maybe worth a try, after all I cant work at the moment and my chances of recovering in the next few years is 0!

All I would suggest is wait until someone who is more aware of your circumstances/history than I am .
See what they say....lets try to get a Mods opinion , they must all be out enjoying themselves...don't we just hate them all.

Niddy is in the cupboard where he lives most of the time and the rest are on their .... They deserve it...

[jon1965]

Re: Flossy UE Diary & YB Hassle

http://www.all-about-debt.co.uk/temp...general/t9.php

That is the letter and i would think that you could try to send it to any enforceable debt you have. I have heard they are not that often succesful but if you have medical evidence of your illness and it is going to be ongoing then I would say it was worth a shot.

All I would suggest is wait until someone who is more aware of your circumstances/history than I am .
See what they say....lets try to get a Mods opinion , they must all be out enjoying themselves...don't we just hate them all.

[Flossy]

Re: Flossy UE Diary & YB Hassle

Flossy , I am not sure but in the letters there is one asking creditors to write off your debts. So long as they do not restart the SB clock (depending on how long that has been ticking away) I can not see why you shouln't send them.
Lets see what others say

Hi Jon

Hope your okay?

I dont know what letter that is, but have heard about it. Which company/'s was you thinking about and why? (dont understand it very well as never done before)

Thanks Jon

[Flossy]

Re: Flossy UE Diary & YB Hassle

So, respond with missing PT's if not already. If you've previously sent that then wait and see what their next reply is.....

Don't worry.

MBNA No 1

In the PT letter where it says about 'enclosing a copy of the CCA' they sent.. Should I copy the first or second CCA? I feel the first one might be better but as I have never dealt with this before I am uncertain and would like some expert advice before I sent anything to them.

Thanks.

[jon1965]

Re: Flossy UE Diary & YB Hassle

Flossy , I am not sure but in the letters there is one asking creditors to write off your debts. So long as they do not restart the SB clock (depending on how long that has been ticking away) I can not see why you shouln't send them.
Lets see what others say

[Flossy]

Re: Flossy UE Diary & YB Hassle

MINT

CCA request - 19/1/2012
Mint - Sent my letter back with PO £1.00 due to being digitally signed with date stamped 23/1/2012 - dated 27/1/2012
Mint - CCA request & Letter to Mint Do NOT require my signature for a CCA request. 6/2/2012
Mint - sent my letter back and PO £1.00 due to not signature only digitally.10/2/2012
Mint - Letter saying how disappointed to note that you have failed to comply with our agreement. 21/2/2012
Mint - Sent my letter back & PO £1.00 due to requiring my signature and not digitally signed. 3/3/2012
Mint - Letter as you have failed to respond to the Bank's previous demands, we have no alternative but to commence further proceedings for the recovery of the outstanding balance. 7/3/2012
Mint - Sent Threat of DCA. 7/3/2012

SHOOSMITHS SOLICITORS letter - Your account details have been passed to us by The Royal Bank of Scotland Plc to act as its solictiors and we will now be dealing with your account. 4/4/2012
SHOOSMITHS - We refer to our recent letter to your confirming that we are instructed to act in this matter. We have not been able to contact you by telephone. Contact us to repay the outstanding balance. 14/4/2012
SHOOSMITHS - Sent Account Sold While In Dispute letter 23/4/2012
SHHOSMITHS - Letter We refer to our previous letters to you and, as you are aware we act on behalf of the Bank, please treat this letter as notice that, unless an agreement is reached with you within 14 days of the date of this letter, we are instructed to issue a County Court Claim. 23/4/2012

LETTERS CROSSED AS DATED THE SAME DATE

SHOOSMITHS - letter we refer to the above matter and further to your letter dated 23 April 2012, the contents of which have been noted. Please note that we have referred your letter to our client and will respond fully once we have received a response from them. 8/5/2012

MINT - Letter thank you for your recent request which was received into this office on 29 March 2012. Your written request for information made under s78(1) of the CCA must be accompanied by payment of a fee of £1.00. We are obliged to provide you with a 'true' copy of the credit agreement, etc, etc,..... Enclosed CCA.

As you are aware the account is currently being managed by our Financial Hardships Department. Please contact them to obtain details of the required repayments to settle the account. 15/5/2012

Niddy -

They know I am ill and have asked for details before now of my health and financial status. I contacted them a while ago when I got advice from CCCS. I wonder can this be used to do something with this account? What I mean is can we try and use my health to help with this case? I dont really know what happens next as no letter has gone back to Mint or Shoosmiths. Could they just issue County Court Claim one day dropped on my doorstep? (I know they can as we all know they play dirty) But, Should they have to send out a further letter warning me? I dont know what Mint / Shoosmiths are like to deal with...

Has anyone dealt with them?

[Never-In-Doubt]

Re: Flossy UE Diary & YB Hassle

UPDATE
MBNA

Moorgate wrote back enclosed NEW CCA dated 8/6/2012 - different to the first CCA received in 1/2/2012!

Sent both to Niddy who says they are

Unfortunately as with recons, they can remedy the original one sent at any point. However that said, you must still continue to blag this as we know there are at least 3 sets of terms for this now (the two you have plus the originals) thus if they try and enforce the chances are they'll either rely on the wrong ones or mess up somewhere so although this is now enforceable, it's not a bad result as there are so many differing terms and versions of the agreement that not only could you convince a judge that you got confused, but I suspect the bank would also be confused put under enough pressure.....

So, respond with missing PT's if not already. If you've previously sent that then wait and see what their next reply is.....

Don't worry.