Hello! I've just discovered this site and so here goes.....

[The Tech Clerk]

That was there I gave harrasement link for thst

[Joanna Connolly Solicitors]

probably one above they stated tried to put diary on but could not and cannot delete post -

It's okay I can see the OP's post has been deleted, but my email alert shows the text which simply says Sainsbury's have called them.

Di

[The Tech Clerk]

Hello Wineaddict,

ive had an email alert to your post on this thread but I can’t see your post?

Di

probably one above they stated tried to put diary on but could not and cannot delete post -

[Joanna Connolly Solicitors]

Hello Wineaddict,

ive had an email alert to your post on this thread but I can’t see your post?

Di

[The Tech Clerk]

» Harassment by Telephone for use if needed regarding the bank calls

[wineaddict2020]

Does this mean you are no longer a wine addict wineaddict?

Oof I wish! Despite this wonderful forum we are still in the midst of a global pandemic which requires me to home school two children so I’m afraid wine is still very much required!!

[Timewilltell]

And gals

Di

Uhhum, I think you are addressed as ‘lady’ not gal

[Timewilltell]

Gosh Di you are so right! I was in a right old state about it all 12 months ago, actually thought we were going to lose the house and everything, sleepless nights, the lot. Then thank goodness I stumbled across this forum! I don't even mind getting letters from them all now, its all part of the game and I just wonder what move they have made and actually look forward to opening the letter to see! I don't stress about it at all anymore now I understand much better how they all work thanks to you and Niddy and all the other posters. I know I have a long way to go but at least I have a plan of attack and I raraely even think about it day to day now, I just get on with my life! So thank you for everything you guys do!

Does this mean you are no longer a wine addict wineaddict?

[Joanna Connolly Solicitors]

i wish i stumbled accross you guys

And gals

Di

[Moonmonkey]

Gosh Di you are so right! I was in a right old state about it all 12 months ago, actually thought we were going to lose the house and everything, sleepless nights, the lot. Then thank goodness I stumbled across this forum! I don't even mind getting letters from them all now, its all part of the game and I just wonder what move they have made and actually look forward to opening the letter to see! I don't stress about it at all anymore now I understand much better how they all work thanks to you and Niddy and all the other posters. I know I have a long way to go but at least I have a plan of attack and I raraely even think about it day to day now, I just get on with my life! So thank you for everything you guys do!

i wish i stumbled accross you guys when i owed 40k and not 5k - but im certainly sleeping better too :-)

[wineaddict2020]

Hopefully this means they are planning to assign (sell) the debt to a debt purchaser.

What a difference a year makes - it was not long ago that you nearly threw in the towel and go into an IVA! That was a near miss




Di

Gosh Di you are so right! I was in a right old state about it all 12 months ago, actually thought we were going to lose the house and everything, sleepless nights, the lot. Then thank goodness I stumbled across this forum! I don't even mind getting letters from them all now, its all part of the game and I just wonder what move they have made and actually look forward to opening the letter to see! I don't stress about it at all anymore now I understand much better how they all work thanks to you and Niddy and all the other posters. I know I have a long way to go but at least I have a plan of attack and I raraely even think about it day to day now, I just get on with my life! So thank you for everything you guys do!

[Joanna Connolly Solicitors]

08.01.2021 - Happy New Year! Letter from Sainsbury’s saying they have now applied a default to my account - hurrah and about flipping time!!

Hopefully this means they are planning to assign (sell) the debt to a debt purchaser.

What a difference a year makes - it was not long ago that you nearly threw in the towel and go into an IVA! That was a near miss

So my story so far (in brief) have around £58k of undsecured debt in CC's and loans, some of it dates back to the 90's. Has steadily got worse until last year i could no longer manage to make the minimum payments on everything so I stopped paying and started talking to Payplan avout an IVA which seemed like my only hope of becoming debt free. I had it all lined up ready to go when i found out i would be getting an inheritance but had no idea how much. So i decided not to go ahead with the IVA

Di

[wineaddict2020]

08.01.2021 - Happy New Year! Letter from Sainsbury’s saying they have now applied a default to my account - hurrah and about flipping time!!

[wineaddict2020]

That's my thoughts too!

This is the debt were there's a question mark over the 'authenticity' of your signature isn't it

Di

Yes it is! Possible fun and games for the future!!

[Joanna Connolly Solicitors]

13.11.2020 letter from Sainsbury’s saying if they don’t hear from me in 10 days they are going to put my account into default. My thoughts are that it’s about time and annoying they’ve taken this long to do it

That's my thoughts too!

This is the debt were there's a question mark over the 'authenticity' of your signature isn't it

Di