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rory1968

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  1. Thanks for advice. Does she need to do a SAR or just a standard letter? Thanks
  2. Hi, will try to keep this to the point. In March 2015 my wife received a severance package from her employer. This was done, so, she would not pursue a claim against employer for understaffing and stress. She had to sign a legal document stating she cannot discuss severance or make a claim against them in the future. It had to go through solicitors on both sides. She had purchased some electronic items through a salary sacrifice and outstanding payments were deducted from the final payment. In March this year she received a letter from her old employer stating she owed just over £500 from the salary sacrifice scheme. They just sent a non itemised invoice. We just ignored it; probably the wrong thing to have done. She is now been chased by a debt collection agency. How should we deal with this? We thought we had put all this behind us. She is tied into a confidentiality agreement,so,that does not help. If we have to pay then, we will,but,we thought we had signed a full and final settlement, thanks in advance.
  3. I had an SD from Westminsters/amex lasr year.They listed the wrong court house for where I lived.I followed the advice here and spoke to court clerk with forms.She advised me to put in my statement that amex had listed the wrong court house.The Judge requested that Westminsters see him in his chambers on a specified date.SD was then withdrawn.I had a few letters from them and then passed onto Drakes.More letters from then and now SRJ,so,here I go again.Some people suggest that the SD may be used just as a threat.Mine came recorded delivery,so,I took no chances.I could not deny I had not received it.It may be different for you if it was not sent by recorded delvery.
  4. rory1968

    AMEX and RMA

    Hi, well all went quite when Westminsters withdrew SD.Now passed onto AIC and StevensDrake.The usual letters,but,straight away put in a payment questionairre etc.Interestingly the amount I now owe is less than before!.AIC had one figure and Drakes another.Should I just CCA them both again?.Drakes have been much more active than Wesrminster,thanks,Rory
  5. I got 2 letters from DCA solicitors saying that they were willing to drop SD if I sent back a form agreeing to not pursue expenses.In the other letter they have offered to remove one of their excessive charges,so,as to avoid costly court case.They have given me 7 days to contact them with an acceptable payment.They have said they will chase up CCA and T&C's as soon as possible.They make note of the fact that in my SD set aside letter I made no reference to making regular payments to the card account etc. Should I phone them with a proposal or should I write to them or none of the above??thanks again,Rory
  6. I received a letter from the court giving me a date for January.They have asked the creditor to attend before the Judge in December,so,I am not sure what thats about.Since i received the letter,I have had daily calls from the creditors solicitors re:recent correspondence.Any ideas on what I should do now?.I am just concerned if I don't make contact with the solicitors then,they might use this against me when they see the Judge in December.Any advice would be great,Rory:?:
  7. Hi,got a letter from their solicitors today giving me 7 days to contact with a payment plan.If I don't contact them by then they will contact AMEX to see what further action they should take.They list;bankruptcy,charging order,warrant of execution or any other action they should decide to take.They are calling this an undisputed claim.Any advice on what I should do?I can make regular payments if required,but,not much more than £150/month.The figure they quote is just over £7k(originally it was £6k prior to referral fees).Any help would be appreciated,thanks,Rory
  8. I don't know how strong my case is?I requested cca and received a signed interactive application form.I applied online.I have not been provided with any details as to how they have come up with their sd amount.I can't afford to settle in full and am unsure what to do if they make me an offer?thanks,rory
  9. Hi 42man, thanks for your advice.I have had 2 calls from their solicitors;on day 21 of the SD and the day I received the letter from the court to say my request had been passed to a judge and i should hear back in the next couple of weeks.do you think I should ring the solicitor (its not the named individual on the SD)?I don't want to make matters worse for myself.Thanks,rory
  10. Hi 42man,thanks for your help so far.I have eventually got the paperwork to the correct court!3rd time lucky!.I had filled all the set aside paperwork in,so,hopefully thats OK.As it was day 20 the court clerk was very helpful and suggested that I add to the affidavit that SD stated the wrong court and hence why I was coming on day 20 as opposed to day 18.She said the timing should not be a problem.She said that I should from the Judge in about 2 weeks,so,hopefully he will set aside or throw out SD. I have not claimed any compensation as my priority was to get the paperwork in and get it set aside.I will let you know what happens next.Do you think I should inform the creditors solicitors that I have asked to have it set aside? thanks again,Rory
  11. hi,thanks for your reply and link.the issue I have is the SD said to go to court X to have SD set aside.Court X said not the court for where I live.They gave me the court where I should go,but,on your weblink,they don't deal with bankrupcy.I border two counties and the nearest court is in the county I don't live in.What I want to know is what do I do now?Do I ignore it as it stated the wrong court or do I find out which court applies to me and pay a fee for late submission (day 20)?.I don't want to make things any worse,thanks,Rory
  12. Hi, I have been dealing with RMA for the past few months with the help of BRW(cheers).I got a SD in the post via recorded delivery(which I stupidly signed for).So,I can't really deny receiving it.Checked royal mail website.The last day to have it set aside is today.I filled in all the forms with help of this forum,went to the county court listed on the SD demand,but,this is not the court within the jurisdiction where I live.Is the SD still enforceable even though it lists the wrong court??.I can't get to the correct court until Thursday as I am away with work (day 20 post receiving SD). The woman at the court office said I could pay to request more time,but,there would be a charge.She would not say if it was inforceable;hence my dilemma. I am desparate to get on top of this and don't want to get done over by missing a deadline as the SD stated the wrong town to hand the form into. Any help/guidance would be appreciated.The CC is AM*X,so,I know they are generally fairly viscious at following things through.
  13. rory1968

    AMEX and RMA

    Thanks BRW, SD's are a nightmare.Westminister solicitors asked me to contact them urgently.I am not sure if I should.I have checked the royal mail website and proof of delivery is there with my signature,so,can't say it never arrived.I am just trying to draft a letter as it has to be in by tomorrow.I have had to book 2 days off work,so,as to try and sort this out.I cannot find a default notice,so,this is probably the route I will follow. Any advice from anyone would be great Thanks:(
  14. rory1968

    AMEX and RMA

    Hi, Have been looking at SD info on the site,and it looks as if this SD is the business.I had 2 phone calls from the solictor on the SD request asking me to contact them urgently.I just need to know should I ring them back?I could at a push get hold of about 80% of what AMeX say I owe,but,unsure what to do next.can't risk bankruptsy,but,this is really getting me down.any suggestions would be really appreciated,thanks,Tory
  15. rory1968

    AMEX and RMA

    Got a letter from RMA about 2 weeks ago saying they were willing to offer a discount if I settled.I did not respond to the letter.I was just going to send an SAR letter this weekend to check where i am with AMEX. Today,I received a statutory demand letter from their solicitors.What should I do?I have not got the money to pay them,but,don't want to lose my house.Please,please help me with regard to the best course of action.Thanks,Rory
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