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Unenforceability & Template Letters II

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  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    terimon wrote: »
    They have terminated my acccount (post 74) and admitted that my account is unenforceable (post 75). Will interest still be added every month? For the whole duration of the six years i ignore them!

    Yes mate but it won't matter to you lol :D
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    Goodtimesahead: Out of interest, when did you actually default that account? i.e. miss 3-6 months of payments.
    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
  • moo_cow
    moo_cow Posts: 281 Forumite
    Hi NID, fantastic news this morning! I've had a letter from lowell's confirming that they are closing the file and will not be pursuing me for any more money.
    I can't believe it! This has taken less than 3 weeks to sort out.
    So HUGE thanks to you for all your help and advice. If it hadn't been for this thread I would have carried on paying over £100 a month on a well disputed account.
    This couldn't have come at a better time especially with my husband having lost another £100 a month in hours.

    NID you're a star!
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    edited 26 November 2009 at 3:22PM
    MooCow - well done..... happy for you.

    Now there will be nothing getting on top of you anymore (remember lol)....
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • moo_cow
    moo_cow Posts: 281 Forumite
    OH I remember- LOL!


    icon12.gif
  • terimon
    terimon Posts: 118 Forumite
    It is a bit worrying that my £13,000 Credit card bill will be up to £32,000 by the end of 6 years.
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    terimon wrote: »
    It is a bit worrying that my £13,000 Credit card bill will be up to £32,000 by the end of 6 years.

    Not half as worrying as the DCA that won't see a penny of it though (think positive mate) :D
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • terimon
    terimon Posts: 118 Forumite
    Yeah i am trying to mate. But i keep thinking something will go tits up for me!
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    terimon wrote: »
    But i keep thinking something will go tits up for me!

    Impossibubble matey - you've found us now :D:D:D
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • terimon
    terimon Posts: 118 Forumite
    never-in-doubt wrote: »
    Impossibubble matey - you've found us now :D:D:D

    :D Yeah i know :D

    And i know i should keep ignoring them. But my CRA files still dont show defaults (well my NatWest account doesnt show on there at all) and i keep thinking even though they admit unenforceability i should try with a low F+F as long as they agree to account £0 and no defaults been added.

    Maybe i could keep a reasonable credit rating still.

    I did tell them in the past that i was moving abroad in the New Year!

    Your gonna tell me off for this posting, i just know you are :D
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