Frightened about my future

jinny · 27 April 2010 at 6:02PM

will be offline for about an hour will look in laters x

beanielou · 27 April 2010 at 6:26PM

jinny~Keep plodding

never-in-doubt · 27 April 2010 at 6:49PM

jinny wrote: »

Hi Nids they are indeed the same company. Are you old enemies by any chance?:D

27/04/2010
Intimidating call from Credit solutions 11.29am
refusing to allow me to issue verbal request to remove my numbers from their database. Advised i would be hearing from NPower.

head now out of sand:)

Yea, I hate them - they are a nightmare (but easy to get them fined if needs be)....

Ok, all you do is send the following to N-Power.... that will sort this, but you HAVE to stick to the agreement lol... Then send a copt to the DCA with a quick note saying you are dealing with the actual creditor, not them. Short and sweet.

You must set up a DD though, they will not allow you to revert back to OC without a valid DD set up.

Is that all ok for you? Any probs, let me know...

** I know that 8 x £30 is £240 but all that does is put you slightly in credit. You also need to be aware that you'll have to pay this £30 on top of the regular amount... Can you afford it? If not, amend the proposal to suit but don't let it drag on over 12 payments or forget it - the DCA will retain the account....

Dear N Power,

Ref: XXXXXXXX

I write with reference to recent communication and in particular to the haste you've sold the above account to a third party debt collection agency, without giving me due care and consideration to arrange a more manageable payment plan.

I cannot afford to repay this debt at a large value, however I am more than happy to set up a Direct Debit to cover monthly payments, as proposed below.
9th May 2010 to 9th December 2010 inclusive - £30 per month additional to current charges to be taken by Direct Debit on or after the 9th of each month.
Paying by Direct Debit does afford some security and it is my ultimate intention to clear the arrears, I do not think there was any need for a 3rd party debt collection to hassle me night and day about this. I do not need it and if it continues I shall be looking to pursue this as a breach of Protection from Harassment, meaning both yourselves and the 3rd party will be held accountable.

If you are happy to accept the proposal as above, then please go ahead and set up the direct debit using my bank details as shown below. If you require a signed DD mandate, please send me one to complete and I shall do so, however bear in mind you will then have to take 2 payments in June to allow for the missed May proposal.

Bank:
Sort Code:
Account No:
Account Holder:

As above, I more than happy for the payments above to come out of this account commencing 9th May 2010 (or June if we cannot set up the DD Mandate in time).

Please advise asap and also take note that I do not acknowledge the third party debt collection agency and will therefore not communicate with them at all. If they wish to speak to me then simply send me a copy of the lawful Notice of Assignment which was signed by all 3 parties, otherwise please warn them that legal action will be taken against them if their blatant harassment continues.

I look forward to your response and the chance to sort this matter once and for all.

Yours faithfully,

Jinny

never-in-doubt · 27 April 2010 at 6:56PM

Gettingtherequickly wrote: »

I think it is blag it time and get it scrapped. They are a complete pain in the proverbial.

Had to deal with a CC company for another client and wrote to them so that I could establish what needed to be done. At that stage I didn't have 3rd Party and my letter to them explained that I knew about the Data Protection Act so guidelines I could pass on would be appreciated. Was gobsmacked to get a phone call from someone a bith further up the food chain who said that sometimes the Data Protection Act needed to be thrown out the window and could they write to the client via myself to say the balance had been written off. What a wonderful person.

Hiya

Ok simples to sort, it was taken over 6 years ago and never had a payment made so it is statute barred - however before going in with that, send this to get them to prove to you that it exists: You know nothing of the Debt / Prove It

See what happens, just PM me or post here and if they don't act i'll force the issue for you and get them to do it....

:D

pixiechick_2 · 27 April 2010 at 8:18PM

NIDs I don't know how you even find the time to eat!! After your post this morning I already know you hardly sleep....

You really must be an angel in disguise.

savingwannabe · 27 April 2010 at 9:25PM

I am going to bed. I will wake up early to prepare for tomorrow. Goodnight all. keep debt busting but make sure you get some rest too.

Hugs,

SW. (sheriff SW has such a nice ring!!!!). I feel assertive!

never-in-doubt · 27 April 2010 at 9:48PM

pixiechick wrote: »

NIDs I don't know how you even find the time to eat!! After your post this morning I already know you hardly sleep.....

Hiya - lol, thanks but i'll be here most the night now, I don't do sleep.... its boring

:rotfl::rotfl:

pixiechick_2 · 27 April 2010 at 9:50PM

well, I'm off to bed now because I like my sleep

mouseann · 27 April 2010 at 9:55PM

Am off to bed myself now - I need my sleep, even though it is boring!

Night all!

never-in-doubt · 27 April 2010 at 10:31PM

Night everyone..... been an eventful day for me and some lucky subscribers - see this quote! :rotfl::rotfl:

mk_chatham wrote: »

Can't thank you enough NID, thats over £33K thats hopefully UE. Will let you know what happens next.

Frightened about my future

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