Unenforceability & Template Letters III

never-in-doubt

discojam wrote: »

Thanks for having a look Niddy!

The main thing I'm most concerned about is not getting a CCJ put on my account as the default dropped off my credit file at the end of April so is no longer showing on there and my other defaults are due to drop off Oct 2011 latest so what would you say is my next best move?

When did you last make a payment to this debt?

in_to_deep

hi nid
hope you do not mind but i have e mailed you a copy of my loan cca could you please have a look for me:cool:

never-in-doubt

discojam wrote: »

oh there was something else I was going to ask, is it worth applying to have the PPI refunded on the loan? If so could somebody point me in the direction of how to do that please (another flow chart maybe? :j ) thanks!

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance?dd

elsie52

Hiya Niddy and everyone else.:D

Hope you all had a good Bank Holiday.:beer: Postie has been this morning and nothing of any interest, None of my creditors seem in a rush to supply me with a CCA, but that's okay, 'cos I'm not in a rush to get one.!!:rotfl::rotfl:

Glad to see its " Business as usual " Niddy - sort of.!!:T

never-in-doubt

elsie52 wrote: »

Glad to see its " Business as usual " Niddy - sort of.!!:T

Nah its far from it lol - business is weird, something is wrong and people are liars! I'm still deciding what and who - this explains my weird behaviour yesterday! #3693

DGJsaver

!!!!!!....! :mad:

discojam

never-in-doubt wrote: »

When did you last make a payment to this debt?

My last payment was on the 7th January 2009 through Payplan, when that payment was made the account was still held with the original creditor - the debts been sold on to Lowell Financial since then.

elsie52

Yeah, I've been reading your posts, as you probably know I read almost every post on here, and I have noticed a few names not posting any more. Don't know if I am reading too much into it, but they are definitely missing.

discojam

never-in-doubt wrote: »

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance?dd

Thanks niddy! will look further into it

discojam

niddy, not sure exactly whats going on but hope it all gets sorted for you - thanks for all your help! :T