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Unenforceability & Template Letters

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  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Thanks for that Never in Doubt :)

    It was the whole HCEO thing that worried me as I had never seen a reference to that title before anywhere.

    Thanks for your help and patience :)

    You're welcome.... the reason I never specifically included anything about HCEO's in the Dealing with Bailiffs thread is cos they are, in all intent and purposes, a bailiff. Well they are in the context that the thread was made.

    Hope that helps - good luck! I'd give them a ring (withold your number) and quote what i've been saying to you, or PM me your details and i'll give em a ring and sort it once and for all for you lol (dont mess with Niddy Boy).... :beer:

    Look here: http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=31_dealing_with_debts_in_the_high_court#chapter7

    See the green Information box?

    hopefully will put your mind at rest now
    Information Enforcement officers cannot break into your home (or any residential property) to seize goods. If you do not allow them to enter your home at any time they cannot seize goods.
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Thanks Never In Doubt, I'm reading through those sites now, very informative.

    I've sent off my letters now and hopefully that will be the last I see of these particular guys.

    I'll let you know what happens :)
  • Just read the thread on CAG about SherForce about their charges.

    I did think £951.50 for posting a letter through my door was a bit high lol, not as if they are going to get any of it anyway.
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Just read the thread on CAG about SherForce about their charges.

    I did think £951.50 for posting a letter through my door was a bit high lol, not as if they are going to get any of it anyway.

    Well you ought to post your letter through their door and charge the same amount to them - legally, you can do so! BUT they are restricted to the charges they can hit you with so just go ahead and report them....

    Are you more at ease now, now you know they have no 'sooper powers'? :beer:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Hi

    Some advice if that's ok. I found out yesterday that my mother is in a heap of debt, she had kept this to herself for years and is at the end of her tether....
    Firstly she has a large Barclayloan and PPI of which I have the letter ready to send to challenge as she is retired.
    They have also given her 2 x £10k credit cards and are now maxed out. I've always been on the moral side of challenging credit cards HOWEVER I am furious that they would give a 60+ retired woman this level of debt and will now follow your letters and challenge them.

    My question is this - she has a bank account with Barclays, would you recommend that she change it before I write to Barclaycard?

    Many thanks in advance and the letter templates on here are superb! Thank you
    :o BR 12th August 2009 :o
    :T ED 11th June 2010 :T
    BSC Member 283
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Hi

    Some advice if that's ok. I found out yesterday that my mother is in a heap of debt, she had kept this to herself for years and is at the end of her tether....
    Firstly she has a large Barclayloan and PPI of which I have the letter ready to send to challenge as she is retired.
    They have also given her 2 x £10k credit cards and are now maxed out. I've always been on the moral side of challenging credit cards HOWEVER I am furious that they would give a 60+ retired woman this level of debt and will now follow your letters and challenge them.

    My question is this - she has a bank account with Barclays, would you recommend that she change it before I write to Barclaycard?

    Many thanks in advance and the letter templates on here are superb! Thank you

    Yes, make sure she gets an account elsewhere because things are likely to turn very silly! It should be painless enough to sort out.

    See how easy it is to change your moral stance? As I always say to people that are morally high, wait until they shat on you then come back and tell me you'd still pay! ;)

    Good Luck - hope you get it sorted....
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Yes, make sure she gets an account elsewhere because things are likely to turn very silly! It should be painless enough to sort out.

    See how easy it is to change your moral stance? As I always say to people that are morally high, wait until they shat on you then come back and tell me you'd still pay! ;)

    Good Luck - hope you get it sorted....

    Most definately! Morals - what morals.......

    thanks NID
    :o BR 12th August 2009 :o
    :T ED 11th June 2010 :T
    BSC Member 283
  • Thanks Never In Doubt. I am abit more at ease now thanks, it's all a bit scarey though lol I had never missed a payment on anything in my life until the business got into difficulty.

    This site and your threads have been an absolute god send and a revelation thank you. Its really quite disturbing that so many companies make so much money from people when they get into difficulties - preying on the vunerable.

    I have a hire agreement (regulated by CCA74) which was taken out in April 2008 for some shop equipment, and the company served a default notice on me August 10th after I got behind with payments once my business had closed, and terminated the agreement.

    36x £291.99 payments, I have paid well over £4000 so far.

    They are now demanding that I return the equipment, that they do not need a court order (as I have paid over a third I thought one was required) to recover the equipment and that I owe them a further £7004.10 payable now! - Can that be right?
  • Hi

    A wee question. I've sent Cahoot 5 letters now regarding reducing my payments cause I've got no money, they have ignored all of them and keep writing to me asking me to phone them which I'm not going to do.

    Then last week Cahoot have sent me an email stating that they are cancelling my PPI, don't remember ticking the box for PPI but that's in the past and there is nothing I can do about it. My question is can I now reclaim the PPI, since they are cancelling it anyway.
    Getting there, slowly but I WILL be debt free before I retire :dance:
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    lmclean100 wrote: »
    Hi

    A wee question. I've sent Cahoot 5 letters now regarding reducing my payments cause I've got no money, they have ignored all of them and keep writing to me asking me to phone them which I'm not going to do.

    Then last week Cahoot have sent me an email stating that they are cancelling my PPI, don't remember ticking the box for PPI but that's in the past and there is nothing I can do about it. My question is can I now reclaim the PPI, since they are cancelling it anyway.


    Yes, you're actually going to be reclaiming it from outset as mis-sold...... follow the guide here: http://forums.moneysavingexpert.com/forumdisplay.html?f=169
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
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