sostress UE diary

[Never-In-Doubt]

Re: sostress UE diary

Aaaw bless thank you. As we're new we're trying to make a name for ourselves - one thing you won't get here is judged. Each to their own, we'll advise and guide but the mods here are good and they'll wipe any derogatory/judgmental posts so your safe here too.....

[sostress]

Re: sostress UE diary

Morning Niddy and everybody!

Update

Have not heard anything yet as its only my 1st month that I've stop paying my DMP with PayPlan.

Thanks

[Never-In-Doubt]

Re: sostress UE diary

Morning,

Thanks for the update....... keep us posted when you start to get letters etc.

[sostress]

Re: sostress UE diary

Morning Niddy and everyone! ;Hi1

Still nothing yet, suppose no news is good news 2

[Never-In-Doubt]

Re: sostress UE diary

Morning Niddy and everyone! ;Hi1

Still nothing yet, suppose no news is good news 2

Exactly, no news usually means half decent news lol ;LOL

[sostress]

Re: sostress UE diary

Hello Niddy and everyone!

Update of my UE route.

Since I've stopped paying my DMP (last paid in Sept 2010), I am receiving letters from one of my creditors whom is Amex asking for payment and I am sure the others will follow ;EEK

AMERICAN EXPRESS
Started :08/12/05
Balance : 6819
date last paid (full amount): OCT 06
Date last paid (DMP):28/09/10
Status: DEFAULTED 05/05/07
Send CCA
:UE confirmed by Niddy

I've 9 debts in total and they are all noted at the begining of my diary.

[Never-In-Doubt]

Re: sostress UE diary

Hiya

Don't worry about them writing to you, did you respond with a letter after I seen the CCA? Has it been signed for?

[sostress]

Re: sostress UE diary

Summary,

Ok, as you can see from my responses above - you have a few enforceable and a few unenforceable accounts. The fact you've given no details other than "send CCA" it is hard to determine what you've done to date and where you're at, so to speak.

Therefore dealing with this 'blind' i'm presuming that you last dealt with these guys over a year ago as most the paperwork is dated from 2009? If that is the case then i'd continue to ignore them, and cease all repayments and wait until they start contacting you again.

However, as you've stated that you're looking to make F&F Offers in exchange for default removal, stopping payments and/or fighting for UE may not be the best way forward. So really you need to sit back and have a long hard think about what you're wanting to do next.

The accounts that were defaulted back in 2007, the default will be gone by 2013 regardless of whether you pay or not. The more recent ones, similarly will last for 6yrs from the date of default.

To be frank, if I were you i'd stop all payments and wait for the lenders/dca's to come to you and then look to settle with F&F settlements if you can afford to? The best way to do this is to let the account default and get sold to a DCA who will accept better deals, the lenders often do not.

Its a catch 22 really, you'll be stuck with the defaults though - the lenders/DCA's will not remove them, they simply cannot cos it would set a presedent and we'd all stop paying our debts, let it default, make a silly offer then get the default wiped.... so they never ever agree to such, unless the DN was improperly executed - those of yours i've seen to date are all ok, I do check this as part of the agreement checks being you attached them.

So it's up to you what you do next but i've detailed in each response what I would do - it's up to you though, how you proceed. Where i've said respond with this and provided a template to respond, you'd not just send that out the blue (assuming no contact for a year) - you'd wait til they write to you and then respond with it. Also, have you already been to a Claims Management Company or the likes? Some of the responses suggest someone has tried to be clever quoting all sorts of nonsense..... not the sort of things i'd fight for; not only because whoever done it was wrong, but because it's wasting your time and my time.

Best of luck, you need to answer my questions if you can and also consider your next move - whatever you do though, do not jump in and start sending templayes without giving me an update!

Niddy

;Hi1 Niddy!

Thanks for your time.
Nope, I didn't send any letters as you advised to stop payments and wait for them to contact me as I am planning to offer F&F settlement offer.

[Never-In-Doubt]

Re: sostress UE diary

Okies sorry I missed that! Just wait til they write to you then..... you've quoted a reply to something made a month ago though lol - there is a second page to your thread.....

[bobogosing]

Re: sostress UE diary

;EEK

[sostress]

Re: sostress UE diary

Okies sorry I missed that! Just wait til they write to you then..... you've quoted a reply to something made a month ago though lol - there is a second page to your thread.....

Morning Niddy!

No need to apologise. I understand your very busy and its amazing how you can just connect when you read each individual diaries. It should be me to say sorry for not quoting the summary in the 1st place. Like you said, for you to help us, we need to be clear, update and save your time on searching our pages so that you 've more time to help others. Thanks a million, we all really appreciate you and the rest of the mods that keeps this forum lively, funny and calm our nerves ;-) when we are waiting for help ;K7

[Never-In-Doubt]

Re: sostress UE diary

Thanks....... y

[sostress]

Re: sostress UE diary

;Hi Hi Niddy and everyone!

An update of my diary. I am planning to make F&F settlement. Thanks to Niddy, I now know which CCAs is :UE and enforceable ;P-; .

I was still paying my DMP until Niddy advice to stop paying.My last payment was in September 2010 and now waiting for the creditors to write to me so I can make my move.

So far its quiet! Not a sound......dreading when the war starts though ;EEK

Takecare all!

[Elsie52]

Re: sostress UE diary

You will be fine, I expected absolutely loads of hassle when we stopped paying our creditors after being on a DMP with them for 2 1/2 years. We started UE in April of this year, and it hasn't been half as bad as I thought it was going to be. If you just follow Niddy's advice to the letter, and also read up as much as you can on the other UE diaries, you will see that pretty much everyone is going through the same process, and getting the same letters from creditors.

Good luck

[Never-In-Doubt]

Re: sostress UE diary

Hi sos - as Elsie says, don't worry - however do not make any F&F offers right now, hold fire......

Its always best to let them default you and sell it to a DCA prior to making any offers, if this has already occurred then fine - continue to ignore them for the moment (the enforceable ones) - no harm in blagging them. k

Keep us updated please ;Spank