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Can anybody help please?

24

Comments

  • Help_Vincent
    Help_Vincent Posts: 18 Forumite
    OK thanks I will make sure not to sign it
  • Help_Vincent
    Help_Vincent Posts: 18 Forumite
    ok I have a couple of questions before sending the letter!

    1. I don't want Thames credit to record any defaults against me, do you think they will do this if I send the letter?

    2. As I said, they have offered to take 30% as full and final payment and to mark the debt as clear. It says in the letter that I am one of the most valued customers and that's why they are offering it. I realise this is just their marketing rubbish to make me want to pay by making me feel special. But I am worried if I send the letter they will get the hump and might refuse to accept any offer like that from me!

    I just want the quickest, easiest and most cost effective way out of this!
    thanks again!!
  • 10past6
    10past6 Posts: 4,962 Forumite
    Help_Vincent wrote: »
    I don't want Thames credit to record any defaults against me, do you think they will do this if I send the letter?

    Once you request your CCA, this puts your account into dispute, they cannot take any further action against you until the dispute is resolved, if they are unable to produce a CCA, then negotiate on your terms and not there's :rotfl: offer them 10% as a F&F settlement figure :p
    Help_Vincent wrote: »
    I am worried if I send the letter they will get the hump and might refuse to accept any offer like that from me!
    As I say, if NO CCA is produced, they can have as many humps as they like, the law on this is very clear and they know it ;)

    Hypothetically speaking, if NO CCA is produced, you've backed them into a corner, on the other hand, if they do produce a CCA, then you can still negotiate a F&F settlement figure.
    Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.

    All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional
  • RAS
    RAS Posts: 36,085 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Hi

    I think you need to check this with NDL before you send any letter. The CCJ may have been taken out over 6 years ago but you have been paying during that time and it may complicate things.
    If you've have not made a mistake, you've made nothing
  • Help_Vincent
    Help_Vincent Posts: 18 Forumite
    hi thanks for that!

    Sorry to be dumb but what is NDL?
  • RAS
    RAS Posts: 36,085 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Free debt advice line


    National Debtline - Website: National Debtline Telephone: 0808 808 4000
    If you've have not made a mistake, you've made nothing
  • milliemonster
    milliemonster Posts: 3,708 Forumite
    I've been Money Tipped! Chutzpah Haggler
    Also, I was under the impression a CCJ stayed on file for 6 years from the settlement date, NOT when it was registered
    Aug GC £63.23/£200, Total Savings £0
  • Ivan_Konstantinov
    Ivan_Konstantinov Posts: 493 Forumite
    10past6 wrote: »

    Once you request your CCA, this puts your account into dispute, they cannot take any further action against you until the dispute is resolved, if they are unable to produce a CCA, then negotiate on your terms and not there's :rotfl: offer them 10% as a F&F settlement figure :p

    As I say, if NO CCA is produced, they can have as many humps as they like, the law on this is very clear and they know it ;)

    Hypothetically speaking, if NO CCA is produced, you've backed them into a corner, on the other hand, if they do produce a CCA, then you can still negotiate a F&F settlement figure.

    thats a very clever idea :T
  • 10past6
    10past6 Posts: 4,962 Forumite
    Help_Vincent wrote: »
    hi thanks for that!

    Sorry to be dumb but what is NDL?
    Come back and let us know what they say ;)
    Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.

    All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional
  • Help_Vincent
    Help_Vincent Posts: 18 Forumite
    OK not entirely sure what I should be asking them!
    But I guess I will just tell them that I plan to send the letter
This discussion has been closed.
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