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1st credit driving me insane!!!! Rant
Comments
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Have just recieved a letter from connaught -
It is there intention to issue a statutory demand as they are unaware of an valid reason for non-payment.:eek:
THe fact that 1st crudit have never acknowlegde my offers of payment or provided me with the requested deatails to make payment I think is a valid reason:mad:
On further investigation it appears 1st crudit own connaught- grrrrrrrrr
I have had a browse round and understand this is generally a scare tactic- the debt is only £1268
Feel like I am back to square one on teh letter writing :mad:Don't get strung out by the way I look,
Don't judge a book by it's cover0 -
BAAB- the debt is for an overdraft and to my limited understanding is not covered by CCA- I know it is money owed and will "happily" pay it at a reat we can afford. they just dont seem to want what is on offer but the full amount-Don't get strung out by the way I look,
Don't judge a book by it's cover0 -
I know devonsdreamer I was refering to Deep In Debt,s post
Did you manage to get that letter sent?
Remind me has your husband got any assets to lose?Thats it, i am done, Blind-as-a-Bat has left the forum, for good this time, there is no way I can recover this account, as the password was random, and not recorded, and the email used no longer exits, nor can be recovered to recover the account, goodbye all ………….
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soory read it wrong- in my growling mood - yes i sent the letter and the reply i have recieved thuis time is from connaught stating their intentions to go for a statutory demand. The only assest we have is the family car - in his name but i drive valused around £3500 i would think and his runaround valued about £500. We rent out property-
His total debts are about £3000Don't get strung out by the way I look,
Don't judge a book by it's cover0 -
Ok then they are most likely bluffing and if there not they aint gonna win in the long run are they:p
I doubt that car would be enough to risk it even if they got to know about it.
Just to confirm is the letter a threat to go for an SD? are there other threats in there, CCJ, atacment to earning etc?Thats it, i am done, Blind-as-a-Bat has left the forum, for good this time, there is no way I can recover this account, as the password was random, and not recorded, and the email used no longer exits, nor can be recovered to recover the account, goodbye all ………….
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No CCj threats at all - just the intention to issue teh SD- The plan is to write again and list each and every offer of payment and request for details of how to make payments that has been ignored. since they state the reason for persuing a SD is because they are unaware of any valid reason for non-payment.
Unless anyone has a other suggestionsDon't get strung out by the way I look,
Don't judge a book by it's cover0 -
devonsdreamer wrote: »No CCj threats at all - just the intention to issue teh SD- The plan is to write again and list each and every offer of payment and request for details of how to make payments that has been ignored. since they state the reason for persuing a SD is because they are unaware of any valid reason for non-payment.
Unless anyone has a other suggestions
Sounds like the best Idea to me. I mean they really are stupid or something. Something like this would be great to see them try and take it to court so you can produce a list of each and every offer you have made and they say you havent offered anything! That would be a fun day in court!Bankruptcy Supporters Club No.1790 -
devonsdreamer wrote: »No CCj threats at all - just the intention to issue teh SD- The plan is to write again and list each and every offer of payment and request for details of how to make payments that has been ignored. since they state the reason for persuing a SD is because they are unaware of any valid reason for non-payment.
Unless anyone has a other suggestions
Well i could think of a few but it would depend on how cheeky you want to be and how brave you feel:p
But yes that would be a good start as you then have supplied them proof that the basis they have based the thret on is unfounded, which they most likely will egnore but at least it is more waight to your case if they where daft enough to procede.
I would also inclose a copy of that last letter pointing out that they too will be in breach of the OFT guidlines stated in it if they continue with this behavior, in fact they are allready really but will plead ignorance no doubt, its part of the gameThats it, i am done, Blind-as-a-Bat has left the forum, for good this time, there is no way I can recover this account, as the password was random, and not recorded, and the email used no longer exits, nor can be recovered to recover the account, goodbye all ………….
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I am quite tempted to send copies of :
all my letters and
proof of postage and
thier replies ignoring everything i say -
not sure it would achive anything apart from making me feel better for 5mins- and the postage would cost a fortuneDon't get strung out by the way I look,
Don't judge a book by it's cover0 -
devonsdreamer wrote: »I am quite tempted to send copies of :
all my letters and
proof of postage and
thier replies ignoring everything i say -
not sure it would achive anything apart from making me feel better for 5mins- and the postage would cost a fortune
It most likely wont so i would just list them and make it clear that you have proof of delivery for the ones you have, which would be produced as evidence both against should they persist in there stupitaty and as proof to the relevent regulatary bodies that they are blatently ignoring the rulesThats it, i am done, Blind-as-a-Bat has left the forum, for good this time, there is no way I can recover this account, as the password was random, and not recorded, and the email used no longer exits, nor can be recovered to recover the account, goodbye all ………….
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