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Old Credit Card Debt Help

13

Comments

  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    SteveMetal wrote: »
    I am not sure if all of those legal quotes are still relevant?

    They are still very relevant.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • GeorgeUK
    GeorgeUK Posts: 7,737 Forumite
    Looks like that could be a letter from the CAG forum (bloomin love those guys).

    If they ignore that letter then i guess they're as dim as we think they are :)
    After falling off the gambling wagon (twice): £33,600 (24,000+ 9,600) - Original CC Debt: £7,885.91

    Dad Gift 6k ¦ Savings & Inv Tst: £2,500
    Loan 10k: £0 ¦ Dad 5.5k: £2,270 ¦ LTSB: £0 ¦ RBS: £0 ¦ Virgin £0 ¦ Egg £0

    Total Owed: £2,270 (+6k) 11/08/2011
  • Dr.Shoe_2
    Dr.Shoe_2 Posts: 1,028 Forumite
    They are obviously automated letters sent out in sequence which would only be cancelled by a call to their call centre.

    I just ignore them and so far they have:

    1. Told me that they are going to take legal action with no further warning.

    2. "Passed your debt to a doorstep collection agancy" (So much for no further warning)

    3. Offered me a reduced settlement.

    4. Sent me a letter from "Hampton Legal" threatening court action.

    5. Given up.
    [strike]-£20,000[/strike] 0!
  • SteveMetal
    SteveMetal Posts: 43 Forumite
    Dr.Shoe wrote: »
    They are obviously automated letters sent out in sequence which would only be cancelled by a call to their call centre.

    I just ignore them and so far they have:

    1. Told me that they are going to take legal action with no further warning.

    2. "Passed your debt to a doorstep collection agancy" (So much for no further warning)

    3. Offered me a reduced settlement.

    4. Sent me a letter from "Hampton Legal" threatening court action.

    5. Given up.

    Did you actually get people knocking around from a doorstep collection agency?
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    edited 8 April 2009 at 10:45AM
    GeorgeUK wrote: »
    Looks like that could be a letter from the CAG forum (bloomin love those guys).

    Oi!!!!!!!!!!!!!

    I wrote that one. :p
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    SteveMetal wrote: »
    Do you think sending a copy of this letter would be the next best thing to do? I am not sure if all of those legal quotes are still relevant?

    Send the letter, Steve - what 'Red Debt (Lowells)' have sent you is a 'standard' letter - they know that the 'debt' is unenforceable and have resorted to trying to 'scare' you into lining their coffers.
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    fermi wrote: »
    Oi!!!!!!!!!!!!!

    I wrote that one. :p

    Great letter, fermi. ;) :T :T ;)
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • SteveMetal
    SteveMetal Posts: 43 Forumite
    fermi wrote: »
    Oi!!!!!!!!!!!!!

    I wrote that one. :p

    Yes, it's an excellent letter, especially the comments at the end about 'the complaint not going away'. My wife can't believe that I am actually going to send that out!
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    SteveMetal wrote: »
    Yes, it's an excellent letter, especially the comments at the end about 'the complaint not going away'. My wife can't believe that I am actually going to send that out!

    Yep. :D

    I thought it was amusing to put that in. ;):D
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • SteveMetal
    SteveMetal Posts: 43 Forumite
    rog2 wrote: »
    Send the letter, Steve - what 'Red Debt (Lowells)' have sent you is a 'standard' letter - they know that the 'debt' is unenforceable and have resorted to trying to 'scare' you into lining their coffers.

    I shall send it out tomorrow, hopefully it will work, I just want this matter to be over with ASAP.
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