Please Help Me

In_Search_Of_Me

umm personally feel its a bit gentle in the circumstances!! I would say sommat along the lines of;

Thank you for your letter dated XXX.
As I explained to you in my later of xxx, a copy of which is enclosed for your information, I am not in a position to be able to repay the money at more than the agreed £25 per month.
Your client stated clearly when he gave me the money that I should repay it at a rate which was comfortable for me financially and this is what I have done.
Your client has, I feel, been guilty of harassing me with over 400 texts - all of which I have retained copies of; has attempted to blackmail me by threatening to divulge confidential information to my employer which he is fully aware could have meant me loosing my job and he has also attempted to obtain additional funds by stating that the amount given to me was £3000 more than was actually given. This is not mere conjecture on my part. I have documentary evidence to proove all of the above and would assure you that, should this go to court, I will be providing the necessary documentary evidenceto support this.
I have, at all times, tried to resolve this amicably but was unable to. and again can provide documentary evidence to support this. I canot repay the money any quicker. If your client refuses to accept this then I will have no choice but to ask the courts to resolve the matter on my behalf but would, as stated throughout, prefer to resolve this in an amicable manner.
yours...

Icanandwillsavemoney

In_Search_Of_Me wrote: »

umm personally feel its a bit gentle in the circumstances!! I would say sommat along the lines of;

Thank you for your letter dated XXX.
As I explained to you in my later of xxx, a copy of which is enclosed for your information, I am not in a position to be able to repay the money at more than the agreed £25 per month.
Your client stated clearly when he gave me the money that I should repay it at a rate which was comfortable for me financially and this is what I have done.
Your client has, I feel, been guilty of harassing me with over 400 texts - all of which I have retained copies of; has attempted to blackmail me by threatening to divulge confidential information to my employer which he is fully aware could have meant me loosing my job and he has also attempted to obtain additional funds by stating that the amount given to me was £3000 more than was actually given. This is not mere conjecture on my part. I have documentary evidence to proove all of the above and would assure you that, should this go to court, I will be providing the necessary documentary evidenceto support this.
I have, at all times, tried to resolve this amicably but was unable to. and again can provide documentary evidence to support this. I canot repay the money any quicker. If your client refuses to accept this then I will have no choice but to ask the courts to resolve the matter on my behalf but would, as stated throughout, prefer to resolve this in an amicable manner.
yours...

Wow

I am going to digest everything you have put and amend my letter so it is more direct. Yours really does pull no punches and is backed up with all the documents I have.

Thank you so much.

In_Search_Of_Me

think about it first - I do tend to be quite direct! Also if you copy and paste make sure you do spellcheck as I noticed some typos!! Think that should do the trick though and you DO have the ability to back it up!! What did cccs say about his money - should it be added to the creditors?

Icanandwillsavemoney

RAS wrote: »

Sometime, read your thread from the beginning, and just check out how much you have changed since then and decide which you you prefer?

Honestly .... I am starting to really like the new me!! I have not cried in awhile and I am determined to go all the way. If it goes to court then I will tell my side and the judge can do 1 of 2 things. Either way I have stood up for myself so win win for me even if he does come off better in court.

I am still in awe of the support you all provide especially as I have seen you repeat yourselves over and over again and yet you keep on doing it to help strangers.

Amazing.

Icanandwillsavemoney

In_Search_Of_Me wrote: »

think about it first - I do tend to be quite direct! Also if you copy and paste make sure you do spellcheck as I noticed some typos!! Think that should do the trick though and you DO have the ability to back it up!! What did cccs say about his money - should it be added to the creditors?

I will do, thanks.

I have my cccs interview in early March so will find out then. They did say I had to keep work debts as priorities so that my profile was not raised to the effect that I could lose my job. Although with the news over the last few weeks redundanies are ever closer. Especially with the billions of bail outs and loses by the company.

MyLastFiver

Thank you for your letter dated XXX.
As I explained to you in my later of xxx, a copy of which is enclosed for your information, I am not in a position to be able to repay the money at more than the agreed £25 per month.
Your client stated clearly when he gave me the money that I should repay it at a rate which was comfortable for me financially and this is what I have done.
Your client has, I feel, been guilty of harassing me with over 400 texts - all of which I have retained copies of; has attempted to blackmail me by threatening to divulge confidential information to my employer which he is fully aware could have meant me loosing my job and he has also attempted to obtain additional funds by stating that the amount given to me was £3000 more than was actually given. This is not mere conjecture on my part. I have documentary evidence to proove all of the above and would assure you that, should this go to court, I will be providing the necessary documentary evidenceto support this.
I have, at all times, tried to resolve this amicably but was unable to. and again can provide documentary evidence to support this. I canot repay the money any quicker. If your client refuses to accept this then I will have no choice but to ask the courts to resolve the matter on my behalf but would, as stated throughout, prefer to resolve this in an amicable manner.
yours...

I wouldn't send anything like this if I were you, as I don't think it will do anything to help your position. The solicitor is interested in points of law only, and not any bickering (as they will see it) that has gone on between you. If you intend to prosecute him for harrassment you should contact the police. Otherwise, there's no point in bringing it up with his solicitor, as it has no bearing on the case.

Keep it simple.

"Thank you for your letter of <date>, the contents of which I have noted. I refer you to the payment proposals as set out in my previous letter dated **/**/**, as my position has not changed since then.

I need hardly remind you that a court judgement will set payments at an affordable level, based on my true and accurate Statement of Affairs, a copy of which is enclosed. As I am already making payments at this level, your client's demands are unenforceable.

Yours...."

Icanandwillsavemoney

MyLastFiver wrote: »

I wouldn't send anything like this if I were you, as I don't think it will do anything to help your position. The solicitor is interested in points of law only, and not any bickering (as they will see it) that has gone on between you. If you intend to prosecute him for harrassment you should contact the police. Otherwise, there's no point in bringing it up with his solicitor, as it has no bearing on the case.

Keep it simple.

"Thank you for your letter of <date>, the contents of which I have noted. I refer you to the payment proposals as set out in my previous letter dated **/**/**, as my position has not changed since then.

I need hardly remind you that a court judgement will set payments at an affordable level, based on my true and accurate Statement of Affairs, a copy of which is enclosed. As I am already making payments at this level, your client's demands are unenforceable.

Yours...."

Thanks MLF

I have posted recorded delivery today.

Flower08

Icanandwillsavemoney wrote: »

Thanks MLF

I have posted recorded delivery today.

Good Luck - let us know how you get on

In_Search_Of_Me

MyLastFiver wrote: »

I wouldn't send anything like this if I were you, as I don't think it will do anything to help your position. The solicitor is interested in points of law only, and not any bickering (as they will see it) that has gone on between you. If you intend to prosecute him for harrassment you should contact the police. Otherwise, there's no point in bringing it up with his solicitor, as it has no bearing on the case.

Keep it simple.

"Thank you for your letter of <date>, the contents of which I have noted. I refer you to the payment proposals as set out in my previous letter dated **/**/**, as my position has not changed since then.

I need hardly remind you that a court judgement will set payments at an affordable level, based on my true and accurate Statement of Affairs, a copy of which is enclosed. As I am already making payments at this level, your client's demands are unenforceable.

Yours...."

umm I disagree that it has no bearing on the case - she can proove all the the statements and by being assertive is showing that she cant be bullied. Sols are, in my experience, more interested in making money than much else. They have to do as their client instructs and in terms of points of law the judge will be the one to decide and the x will have to accept what is agreed if it goes to court.
Hopefully by being clear that she wont me bullied will mean that its resolved amiicably; if the x says he will go to court then with the evidence she has there is little the court can do as she doesnet have the money and has documentry evidence that he said pay when you can - effectively a contract between them. He would, as far as I am aware, be the one in breach of contract for changing the terms of the agreement that was made in good faith by ICAWSM...
Sorry, not trying to be picky , and I did say that my letter was direct but I hope will maker her x realise that she means business! IMO she has been very courageous to stand up to him and I hope that its resolved soon but if not suspect the x will have to take his place in creditors lost if she does a dmp...we shall see ..
Keep us posted ICAWSM!! Any news on date for CCCS interview by phone?

Icanandwillsavemoney

Just a quick update.... there is nothing to update!!!!

So far, he has not responded to my letter saying .....'Thank you for your letter of <date>, the contents of which I have noted. I refer you to the payment proposals as set out in my previous letter dated **/**/**, as my position has not changed since then.

I need hardly remind you that a court judgement will set payments at an affordable level, based on my true and accurate Statement of Affairs, a copy of which is enclosed. As I am already making payments at this level, your client's demands are unenforceable'.

Hopefully... I will not get home later to find court papers on the mat and his solicitor has advised him to back off.

Thank you for all your kind messages and pm's, I will act on the pm's too.

Thanks again - A happier ICAWSM

xxx