SXGuy's UE Diary

[SXGuy]

Re: SXGuy's UE Diary

Sure it's worth a go. Don't want to rock the boat with hsbc tho as we have current and business accounts with them with overdrafts but could try with the others

[nanna58]

Re: SXGuy's UE Diary

Good plan Mrs D xx

[MrsD]

Re: SXGuy's UE Diary

Your Mum (and you) have done brilliaintly with this stuff, why don't you ask Elsa about trying to get the stuff she is paying written off on health grounds?

[SXGuy]

Re: SXGuy's UE Diary

Haha good idea. To be fair hsbc have offered to settle the debt and wipe some of the balance and pay it over a max of 60 months. So it may well be worth asking

[Roger]

Re: SXGuy's UE Diary

Humm.
Thank them for their concern over Income & Ex.
I suggest writing back and reducing the payments by 10%
As they wlll appreciate Costs have risen faster than earnings!

[SXGuy]

Re: SXGuy's UE Diary

Had a couple of letters from Dlc and hsbc wanting to discuss current payments. want my mum to fill out a I and e. She already pays them 50 a month to hsbc. 30 to Dlc, Thinking of writing back and saying nothings changed. Thoughts?

[Spud]

Re: SXGuy's UE Diary

Small update. Been getting calls from. Barclaycard chasing payment. Seems IDR have finally handed account back to OC. Will wait for a letter before responding.

No rush, As you say wait for their letter first unless you are worried about the calls, If so send them the Telephone harassment letter, Then wait for their reply, Then yours ect - String it out a bit

[SXGuy]

Re: SXGuy's UE Diary

Small update. Been getting calls from. Barclaycard chasing payment. Seems IDR have finally handed account back to OC. Will wait for a letter before responding.

[SA Gold]

Re: SXGuy's UE Diary

Hi SA thanks for your advice.

Im currently disputing this debt as I believe the prescribed terms are illegible. However, they are aware of my mothers illness, and have apparently moved her account to another department which also apparently takes a more softly softly approach.

since then ive received no more threats or demands for payment, so I will wait for a threat or demand from them again before I try the avenue you suggest.

Hi SX.
Another thought, although i am not sure of the legalities of this (and hopefully it wont be needed anyway), but no-one likes bad publicity and if you had to, you could make them aware you are going to contact the press about the effects they are having on a seriously ill lady. It would make the less-aware bank,DCA savy (i.e non AAD members) people know exactly what these scum bags are like.
Just thinking aloud mate...

[Pixie]

Re: SXGuy's UE Diary

ok so a confused update this time.

Just received a periodic statement from 1st Credit Re Lloyds.

It shows that on the 26th August 2014 there was a Adjustment credit of £140.57, which has reduced the outstanding balance from £7464.50 to £7323.93.

I have no idea what this is, no one ever wrote to me to say they were refunding charges or anything. I never even asked them to.

I will keep that letter very safe because if they ever try to argue in the future a payment was made then I can show it wasn't.

Question is though, would they make an adjustment off their own back? Im guessing this has arisen since 1st Credit bought the debt, received copy statements after my new CCA Request and realised the balance was wrong? or pre empting me counter claiming unfair charges?

Whats your opinions?

That's got me confused too SXGuy

It could be either of the options you give...who knows with DCAs?

Like you say, keep it safe just in case they try to use that adjustment to reset the SB clock.

[SXGuy]

Re: SXGuy's UE Diary

Hi SA thanks for your advice.

Im currently disputing this debt as I believe the prescribed terms are illegible. However, they are aware of my mothers illness, and have apparently moved her account to another department which also apparently takes a more softly softly approach.

since then ive received no more threats or demands for payment, so I will wait for a threat or demand from them again before I try the avenue you suggest.

[SA Gold]

Re: SXGuy's UE Diary

Hi SX,
Firstly, i am sorry to read of your Mothers illness. If i understand correctly, you are seeking unenforceability for the accounts?
Perhaps continue this fight and use the good will plea as a last resort on the basis that all this stress is making your Mothers standard of living worse than it should be?
Sorry, if i have missed something in between threads.
Best
SA

[SXGuy]

Re: SXGuy's UE Diary

ok so a confused update this time.

Just received a periodic statement from 1st Credit Re Lloyds.

It shows that on the 26th August 2014 there was a Adjustment credit of £140.57, which has reduced the outstanding balance from £7464.50 to £7323.93.

I have no idea what this is, no one ever wrote to me to say they were refunding charges or anything. I never even asked them to.

I will keep that letter very safe because if they ever try to argue in the future a payment was made then I can show it wasn't.

Question is though, would they make an adjustment off their own back? Im guessing this has arisen since 1st Credit bought the debt, received copy statements after my new CCA Request and realised the balance was wrong? or pre empting me counter claiming unfair charges?

Whats your opinions?

[nanna58]

Re: SXGuy's UE Diary

All love to mum x

[SXGuy]

Re: SXGuy's UE Diary

I know. You would think knowing my mother has stage 4 congestive heart failure and suffered two strokes last year they would close the account. Think I may push for that actually. I'll wait for them to write next.