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The long haul supporters thread...
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Happytogetdebtfree wrote: »Hi stevie B ok i dont have any idea about unenforcability but maybe email never in doubt maybe he can help repost an soa up here again for meeeee, ps got the pm lets hope we can make a change that will help
x
ill do a more in depth/exact SOA on friday night/saturday morning when i have all the paperwork to hand.
just sorted the bank out anyway charges gone/monthly charge gone
sky .. £1.50 to pay and watch it gratis for 30 days \o/ and then its gone.
BT currently in the "escalations" team, due to an inept call centre employee thinking cancelling meant downgrading and putting on another contract !!
any ideas who/where i would go to recalim the ppi that i couldnt claim against .. even though its all in the hands of DCA's now ..
another good one i have just seen .. been paying capital one £1 a month .. but a DCA now "owns" the debt and isnt reducing the payments for the £1 monthly or acknowledging the payments, ima thinking there is summat that can definately be done there just gotta read up.0 -
Hi Stevie B
If you need help with unenforceability then come over here and post your question and i'll sort it for you! Unenforceability & Template Letters IV
See my replies in red belowdebts....
assorted credit cards with debt collectors - if taken before April 2007 then come speak to me
mortgage (5200 is arrears) - You need to consider something like this, surely: http://www.direct.gov.uk/en/MoneyTaxAndBenefits/ManagingDebt/DebtsAndArrears/DG_10013261 (scroll down to the bottom links)
gas electric - exempt from CCA 1974 so need to repay these.
assorted loans with debt collectors - if taken before April 2007 then come speak to me
2010 - year of the troll
Niddy - Over & Out :wave:
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I dont know did you claim on the ppi ? if not maybe you can claim it all back ??I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.680
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http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance?dd#checklist
this takes you to the ppi claim page stevie
I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.680 -
Happytogetdebtfree wrote: »http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance?dd#checklist
this takes you to the ppi claim page stevie
Do not consider reclaiming until after you've decided whether you're taking the unenforceable route....
It changes things dramatically...... :cool: 2010 - year of the troll
Niddy - Over & Out :wave:
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ahhhhh i see i didnt know that lets hope they are unenforcable lol ... i like the mortgage one i didnt know that xI AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.680
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never-in-doubt wrote: »Hi Stevie B
If you need help with unenforceability then come over here and post your question and i'll sort it for you! Unenforceability & Template Letters IV
See my replies in red below
hello never-in-doubt
re: mortgage .. already been through the court system have to pay premium + a slice of the debt, i cant get out of this regardless of how i try :S but from feb next year its off the fixed rate so the percentages change.
re: loans and cards ill post on friday night/saturday morning when i have the paperwork to hand, atm im away from home working.
re: gas/electric yep i know i have to pay these, but at 12 a month repayment on the debt i cant really complain, the gas charges are under review anyway so the monthly payments should come down fingers crossed.0 -
Happytogetdebtfree wrote: »I dont know did you claim on the ppi ? if not maybe you can claim it all back ??
no when i went to claim they basically just told me my accounts where closed and i had to discuss it with the DCA ... the main accounts i had a lot of arguements with over this was HSBC. but the DCA for them seems fairly agreeable, inso much as they accepted the £1 a month readily for each of the accounts with them.0 -
Off top of your head do you think the loans and cards were taken before 2007? i hope so just so you can wipe some of the stress offI AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.680
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Happytogetdebtfree wrote: »Off top of your head do you think the loans and cards were taken before 2007? i hope so just so you can wipe some of the stress off
im 99.9% sure _all_ the cards were.
the loans i dont think so i would need to refer back to all the paperwork.0
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