Unenforceability & Template Letters III

Spacehopper_3

never-in-doubt wrote: »

Don't worry about a thing.... remember with Egg - you need to see this too

The above is a last resort..... but worth reading all the same

No problem. Will check out the thread.

All the best.

never-in-doubt

Bloody Hell - we're extremely quiet lately! :(

That can only mean one thing - the lenders and DCA's are extremely busy :rotfl::rotfl:

Keep the faith and you'll come out on top

BeenieCat

never-in-doubt wrote: »

That can only mean one thing - the lenders and DCA's are extremely busy :rotfl::rotfl:

Or, the eejits are being frustratingly slow. :mad:

(I'm just impatient really, but the postman thinks i fancy him :rotfl:)

never-in-doubt

BeenieCat wrote: »

Or, the eejits are being frustratingly slow. :mad:

(I'm just impatient really, but the postman thinks i fancy him :rotfl:)

Haha - they are inept, does that count? :rotfl::rotfl:

As for the postie, are you surprised! You're not exactly an ugly 60 year old wench are you! My posty is minging, yuch! Well, I would say that being i'm straight lol. :rotfl:

BeenieCat

Well i probs look scary enough early on a morning before my first cuppa and cig... stalking the postie as he does his rounds, waiting for those elusive CCA's :silenced:. Mind you he brings me loads of junk mail for over 50's life insurance so maybe i DO look 60 :rotfl:

Tomorrow is the day. I'm sure of it. :A

thechippy

never-in-doubt wrote: »

Bloody Hell - we're extremely quiet lately! :(

That can only mean one thing - the lenders and DCA's are extremely busy :rotfl::rotfl:

Keep the faith and you'll come out on top

Never mind NID, I'll keep you busy soon. Had a lovely letter today from citicards, saying they've decided to increase interest rates from 29 apr to 39 with no explanation...:eek:

If they think I'm paying that, they can go and make the proverbial sexual move with a duck....:rotfl:

CCA going off - let battle commence...:D

never-in-doubt

thechippy wrote: »

Never mind NID, I'll keep you busy soon. Had a lovely letter today from citicards, saying they've decided to increase interest rates from 29 apr to 39 with no explanation...:eek:

If they think I'm paying that, they can go and make the proverbial sexual move with a duck....:rotfl:

CCA going off - let battle commence...:D

East mate - that is rate jacking and you refuse, then you pay interest at the original rate and the account is closed and made into repayment only.....

maximoomoo

Hi

I sent the 'default removal in exchange for F&F settlement' and was refused. They will accept 50% of the balance but will not remove the default..

I have 2 questions:

1. How does an account with bad payment history affect your credit file. i.e. Is it worth me paying it if they are refusing to remove the default due to the fact the bad payment history will still be there.

2. How should I respond to the creditor that has knocked me back. I am tempted to reply saying that if they refuse to accept my offer then they will receive no money from me, but how will this affect my credit rating?

This debt is the oldest on my credit file, meaning this is the last that will drop off my file if I let nature take its course. So if I do not manage to get this one removed is it worth even bargaining with the other ones?

Does the amount of defaults on your credit file matter or is it all or nothing? 1 is as bad as 6?!?!

Thanks for reading

mojoparrot

thechippy wrote: »

Never mind NID, I'll keep you busy soon. Had a lovely letter today from citicards, saying they've decided to increase interest rates from 29 apr to 39 with no explanation...:eek:

If they think I'm paying that, they can go and make the proverbial sexual move with a duck....:rotfl:

CCA going off - let battle commence...:D

The same thing has happened to my mum. Could it be 'cause she has requested the CCA?:mad:

libbyjade

Morning Mate,

Have you checked to see if your 'out of office' is still on? :rotfl::rotfl:

never-in-doubt wrote: »

Bloody Hell - we're extremely quiet lately! :(

That can only mean one thing - the lenders and DCA's are extremely busy :rotfl::rotfl:

Keep the faith and you'll come out on top