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Need help again please, just want to give up.

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  • Didn't want to read and run but Sourcrates rarely takes offence unless it's personally directed.

    I'm sure they'll be along in a while.
  • sourcrates
    sourcrates Posts: 31,447 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    Thank you Willing, that is very kind :)

    I will hold off and wait for a reply from sourcrates as suggested, although I fear that he/she may have 'fallen out with me' for want of a better phrase, due to the fact that I can be very annoying with my constant "what if's"!!

    Sourcrates - if this is the case I absolutely apologise, my anxiety takes over sometimes and I can't help but question and doubt absolutely EVERYTHING, but I understand how frustrating that is for others, particularly over a forum where there is no real tone to be read :o

    I always appreciate the help given here, from all of you.

    No, not at all, I understand it can be frustrating dealing with uncooperative companies.
    W2L makes a good point above, however most of that information mainly applies to credit agreements, and tenancy agreements are not covered by the consumer credit act, but may still apply in regard to the debt collection part.

    I’ll work on that letter for you.


    Oh, and sourcrates identifies as a he ��
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • sourcrates wrote: »
    No, not at all, I understand it can be frustrating dealing with uncooperative companies.
    W2L makes a good point above, however most of that information mainly applies to credit agreements, and tenancy agreements are not covered by the consumer credit act, but may still apply in regard to the debt collection part.

    I’ll work on that letter for you.


    Oh, and sourcrates identifies as a he ��


    Thank you so much :)
  • I just wanted to come back and update this thread and say thanks again to everyone that has helped.

    The complaint letter that sourcrates very kindly drafted for us was sent out and OH has had a reply. They have answered each of the complaints point by point but then in the last paragraph have stated that as a gesture of goodwill, they have written off the debt and no payment is required.

    So I presume that's it now, we don't need to do anything else?
  • sourcrates
    sourcrates Posts: 31,447 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    I just wanted to come back and update this thread and say thanks again to everyone that has helped.

    The complaint letter that sourcrates very kindly drafted for us was sent out and OH has had a reply. They have answered each of the complaints point by point but then in the last paragraph have stated that as a gesture of goodwill, they have written off the debt and no payment is required.

    So I presume that's it now, we don't need to do anything else?

    Excellent news, glad you got the result you deserved.

    No further action required.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • Excellent news :)

    Keep that goodwill gesture letter safely filed (just in case)
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    :smiley:
  • Sue that's great news - really pleased to hear it! If you have access to a scanner - scan that letter and store it in the cloud somewhere as well as retaining the hard copy! "Just in case!"
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
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