Frightened about my future

savingwannabe

Ann, if we ever make it to an MSE reuinion/meeting you now know what to dress up as! and we will make a bee line for our friend in the blue tights!!!!

:j

mouseann

Thanks NID,

I will be ready for any potential visit!

Presumably they can only "take" things if I get taken to court, the judgment goes against me and then I default my repayments? (I have been reading a bit about it!)

Only thing is, what happens if a DCA (i.e. a non-court person) visits and they see my car? Are they able to try to threaten to take it? I have no finance on my car - it was bought a few years ago by an elderly auntie (even older than me!) so that I could drive her around. Sadly she died about two years ago but the car was always in my name - she just paid for it! Would it be as well if I parked it away from my house if I think they are likely to see it?

And there is no way I would let them into the house! Perhaps I should put on my "little old lady" act and remind them how old I am?

Am not panicking about this but I agree that it is as well to be totally prepared for this in case it does happen,

savingwannabe

I had better go and mark some papers. Speak later. I have drunk 3 cups of tea already. Oh dear!!!!

Does anyone know if anything is on the telly tonight?
:j

never-in-doubt

mouseann wrote: »

Presumably they can only "take" things if I get taken to court, the judgment goes against me and then I default my repayments? (I have been reading a bit about it!)

They can only "take" things if they get a court order - this cannot happen without an original agreement (see my signature)....

See how everything falls into place.... one leads from another and so on - they MUST have the ORIGINAL and present this to any court, or no formal action can be taken

mouseann wrote: »

Only thing is, what happens if a DCA (i.e. a non-court person) visits and they see my car? Are they able to try to threaten to take it? I have no finance on my car - it was bought a few years ago by an elderly auntie (even older than me!) so that I could drive her around. Sadly she died about two years ago but the car was always in my name - she just paid for it! Would it be as well if I parked it away from my house if I think they are likely to see it?

Do not worry about this, see point above. If they wanted to try this they would have to write and annouce their visit at which point you fire off template 13.3 and then move the car round the corner or on a friends drive (thus results in trespass if the DCA tries to do anything) for a few weeks.

mouseann wrote: »

And there is no way I would let them into the house! Perhaps I should put on my "little old lady" act and remind them how old I am?

That will not happen - do not worry! :mad: :mad:

mouseann wrote: »

Am not panicking about this but I agree that it is as well to be totally prepared for this in case it does happen,

It won't i'll be around and stop it well before it gets that far, put it this way i've dealt with bigger balances than yours and they have never tried it so seriously, don't you worry yourself...

savingwannabe

Please dont worry Ann. Trust NID. He knows what he is doing. Have you seen how many people he has helped. I didnt see anyone crying. They all seem reassured and secure. Please realise you are in safe hands. He is like an Angel. Sometimes it get's so stressful but you are safe now.

PS if it gets really bad. Come and visit me for a break.

Big hug,

jinny

never-in-doubt wrote: »

Hi everyone.... :hello::hello:

Just been reading about the dastardly Lowells :mad:

Ok, if they (or anyone) for that matter happens to ring you then you need to interrupt them (after passing security) and recite the following (at the bottom of the post), word for word - if this means you have to pause, then continue, but make sure you do it!

Just so you know, all outbound calls by banks and DCA's are recorded, therefore if you fail or refuse to answer security they will say whatever they like (be that rude or wrong) because recording does not take place until you have passed security and they have your details in front of them - however the moment you do pass security and they start to discuss the "account" (also recording at this point), you then recite the info at the bottom of the post, then hang up!

This is your legal right and you are utilising it, if they then continue to harass you we'll have em fined and put to task for breach of OFT Guidance and Protection from Harassment Act.



Obviously you're not recording the call, but you need to convince them that you are!

OMG.... how weird I was just reading this post when Apex phone pests rang me. I read them the statement and Im shaking like a leaf..........:eek:
I needed to open a bottle of wine and Ive just swigged a large glass full phew feel weird but good the caller was stuttering like me.

never-in-doubt

jinny wrote: »

OMG.... how weird I was just reading this post when Apex phone pests rang me. I read them the statement and Im shaking like a leaf..........:eek:
I needed to open a bottle of wine and Ive just swigged a large glass full phew feel weird but good the caller was stuttering like me.

Haha - it would have shut the caller up, right? :rotfl: :rotfl:

Well done you - have another large glass. Did it feel good being in control? :T

savingwannabe

Go Jinny!

Jinny 1 Finance Toads 0

jinny

Yes needed another large glass, lucky for them It was early evening or i might have said a few more illegal words of my own! Im still hyperventilating, but i feel Ive stood up to a school yard bully. Apex work for my Lloyds overdraft so i can just ignore letters now cant I or will it lead to a ccj? EEEEh still picturing the caller sitting there with her gob wide open.

never-in-doubt

jinny wrote: »

Yes needed another large glass, lucky for them It was early evening or i might have said a few more illegal words of my own! Im still hyperventilating, but i feel Ive stood up to a school yard bully. Apex work for my Lloyds overdraft so i can just ignore letters now cant I or will it lead to a ccj? EEEEh still picturing the caller sitting there with her gob wide open.

Just bear in mind overdrafts are CCA exempt so you're kinda blagging this in the hope they issue a default notice, when they do it will be wrong and we will then use this against them if they try for a CCJ... though it is unlikely on a small overdraft, however the main point here is that you cannot hide behind the CCA(1974) as o/d's are exempt in that respect (i.e s.77/s.78).

You'll be fine, so long as you keep me updated, then you'll always be one step ahead of them, pre-empting their next move....