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

[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

[wineaddict2020]

13.11.2020 - Another 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 as all my other accounts defaulted 12 months ago so it’s annoying that this one is still around as that’s an extra year with a default on my credit file, not that I’m ever having a credit card again but a better choice of mortgages at remortgage time would be good and I’ve just fixed for 5 years!

[Joanna Connolly Solicitors]

sadly I definitely wasn’t in Miami at the date of the signature!!

Sadly it wasn’t as glamorous as it sounds.

My daughter won a scholarship to Miami City Ballet Summer School (it was her point shoes and tutu phase) so since she was under 16 at the time I had to be her chaperone.

Little did I know that this would ultimately provide me with a financial/court defence ‘alibi’ nearly 20 years later.

Di

[wineaddict2020]

Do you suspect they may have 'lifted' your signature off another document?

Did you sign your CCA Request and did you keep a copy of the letter you sent so you can compare signatures?

In the case of PRA v Mayhew (me) the Recorder (Judge) ruled the credit agreement was irredeemably unenforceable. Part of my evidence was that I couldn't have signed the document since I was in Miami at the time and it appeared to have been sent to my London home, signed, and posted back to MBNA in a Royal Mail postage paid envelope when I was thousands of miles away.






Di

I don’t know where the signature has come from, it could be from my letter to request the CCA - I did keep a copy but nothing of the one I signed unfortunately.

sadly I definitely wasn’t in Miami at the date of the signature!!