Had it with Baines & Ernst!!

MrsTinks

Nickpearson does have permission to post - please see MSE Andreas reply on another thread

http://forums.moneysavingexpert.com/showpost.html?p=26603793&postcount=15

NannyOgg

Letter delivered today... so the twelve day countdown starts now, doesn't it?

So either they'll provide requested paperwork or, if I've heard nothing by 21 November, what happens next?

Charco_2

PNPSUKNET wrote: »

stop paying a company todo work that the ccs or payplan will do for free meaning more money towards your debts. Not only this but creditors dont like you paying for help.

No harm, but FUNK the creditors!

You might be in debt but you still have rights, they don't own you!

The creditors dont like insolvency or bankruptcy. They also dont like you to pay your credit cards in full every month! They dont like to take bags of coins that you've saved up, sorted and put it into your account.

But to be honest, you shouldn't care if they dont like Cliff Richard, or marmite - Look after yourself guys!

NannyOgg

Further to last update, CCA letter was signed for at LTSB offices in Brighton (address on back of cc statement) on 9th November and we've had no response yet... what do I do now?

NannyOgg

bumping

Does the lack of response mean I can now put the account into dispute?

Tixy

Hi Nanny

Yes - if you have no reponse at all you can send this letter - http://forums.moneysavingexpert.com/showthread.html?p=26867787#post26867787

NannyOgg

Thanks Tixy - really useful thread :T

Will do the 30-day letter tonight...

NannyOgg

Help, someone, please...

Have received a second letter from the solicitors giving OH 14 days to settle account in full or "we may initiate court proceedings without further notice" :mad:

Thing is, we've still not had CCA from CC company so they're in default. Should I send solicitor a copy of the CCA reminder?

Or is there a different template letter for them?

Thanks in advance!

Tixy

Hi Nanny

I think you need this one this time

http://forums.moneysavingexpert.com/showthread.html?p=26867923#post26867923

NannyOgg

Tixy to the rescue again :j

Could you just clarify, though:

Consequently, any legal action you pursue will not only be fully and vigorously defended, it will also be averred as both unlawful and vexatious. As such I respectfully suggest that this account is returned to **Original Creditor ** for immediate resolution prior to my seeking legal advice; due to the fact you cannot lawfully pursue any enforcement activities as the account was already in dispute at the time you became involved.

Am I OK to leave the paragraph as it stands? We sent the CCA letter to the original creditor the day after we received the letter from the solicitor so, technically, they were involved already, although they haven't taken any action - other than threat letters - so far.

Thanks again...