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nuthatch

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Everything posted by nuthatch

  1. My SAR arrived at the weekend. It includes my Application form and a huge sheaf of notes about my account but no CCA as far as I can see. Please tell me what my next move should be. I did tell CCCS that Homebase were adding interest and charges and I saw no point in carrying on paying them as my payment each month was a third of what they are adding on. I thought about writing to Homebase and telling them that last year I was on £30000 and I am now on 2 small pensions. I am not capable of holding down a job at the moment. I cannot get JSA because the amount of my pensions is too much. My basic living expenses are only just covered by my pensions. Following my husband's death last year, my Mother's descent into Dementia and trying to sort things out after a big house fire plus a prolonged recovery from surgery I have tried to return to work twice but just could not do it so I am at home now. I cannot make rational decisions at all as life seems such a pointless exercise and everything is a huge hurdle to overcome.
  2. Would appreciate a comment on last post please.
  3. Wrote back with copy of letter and received reply admitting that they were idiots. Well, didn't quite say that but that is what it read to me. Letter said thay had supplied me with what I needed which they hadn't. Strangely, letters from Homebase now arrived weekly with charges and interest. Sent SAR 2 weeks ago and...by return got a default notice. Now, am I being cynical or do you think they are desperately trying to move this debt onto a debt collector before the 40+2 days are up and they are in default because they have either lost all my info or they know they can't produce my CCA at all? Please tell me I am right and not just hopeful.
  4. Sorry Saintly 1.I am stupid at the moment. There is a copy of the letter on post 186 which Scarlet Pimpernel added to for me.
  5. Letter from Phillips Cohen which is an exact copy of the one I received last year #106 about my late husband's Littlewoods account. To say I am upset is an understatement. I thought I had seen them off with the letter from JonCris. It is a year this month since my husband died in tragic circumstances and I am finding it very difficult a the moment. Should I just send a copy of the letter that I sent last time? Thanks
  6. Well, I do have a crossbow in the shed that my husband bought just before he died. And I have just learnt how to use the circular saw so they had better be afraid
  7. Thanks steven4064. I will do that. Stupid letter from Homebase today. I acknowledge your request for a copy of your Credit Agreeement, however this service requires a fee of £1." I have a letter from Jan 08 acknowledging receipt of my £1 fee for the CCA!!! Should I just write back with a copy of this letter and tell them they are idiots or ignore it? As previously posted, I have already written to Homebase to tell them that the documents they sent to me following my CCA request in Nov 08 are unenforceable.
  8. BLS have written to say that Lloyds refuse my F&F offer. Also says: "In the meantime, monthly payments to the account should continue to prevent the possibility of legal action. Altenatively, our clients Lloyds TSB may consider a personal visit by one of its other agents" Don't think I'll lose any sleep over it because it's their loss as they will have to wait years to get money at eh rate I'm paying. Never mind I shouldn't be paying tehm anyway as they have not produced a CCA and the account has been in dispute since Nov 2008. And what on earth "one of it's other agents" could be, I cannot imagine. Sounds like someone from "Men in Black"
  9. Today, letter received from Ellie Renshaw. As I've already explaned, in accordance with Sec78 of the CCA1974,And the Consumer Credit (Cancellation Notices and Copy Documents) Regs 1983, we've provided you with a copy of your original agreement, and if any terms have been varied, then the copy will include teh updated terms. In Addition, your personal details, the signature box, signature and date of signature were omitted from the copy as permitted under Reg 3 of the Consumer Credit (Cancellation Notices and Copy Documents) Reg 1983. You clearly have a valid and enforceable credit and enforceable agreement as evidenced by the documents sent to you and any claim to the contrary will be strongly defended. Your account remains in default and the balance currently due is £xxxx Then a load about me consenting to them processing my data and credit reference agencies We will continue to pursue the outstanding debt and will defend any application you may wish to bring against us. Financial regs require me to advise you that this is my final response etc Could someone advise me what my response will be? I will have a scout around the site as well to see if anyone is in a similar situation.
  10. Thanks for that. In the past, before I entered into the DMP via CCCS, charges had been applied but I have not sent a SAR before so don't know how much. So would it be worth doing that first? If the charges are a big chunk, I am prepared to offer a F&F based on the actual amount owed. Due to my personal circumstances (still off sick and on half pay) it will take many years for me to clear this account. It seems strange that they have decided to start adding charges from the day my previous letter reached them.
  11. My letter as outlined by steven4064 was delivered and signed for on April 30. I have electronic proof of delivery. Today a letter has been delivered from Homebase dated May 5 demanding arrears and stating that any further reminders will incur a £12 charge. I presume they cannot read or prefer to ignore my last letter. Should I send an "Account in Dispute" letter now or just ignore it?
  12. I have had no communication from any of the companies who were chasing money from my late husband's non existent estate so I guess they have given up. Thanks for all the advice I received on this threas and I am making a donation to the site. It's not much but I hope it helps.
  13. It's a long time since I did anything about this because of ongoing health problems and it is now nearly 6 months since my original CCA request. Should I send the "Account in Dispute Letter" or is it just worth offering a Full and Final amount of about 20% of the original debt based on their non compliance with my request for the CCA?
  14. Just drafted letter incorporating advice from cymruanbyth and TGM and posted off yesterday. It is outside their 10 day deadline but I'm not bothered. I could be off work for months yet (again) so I believe it is in their interest because surely it's better than waiting 40 yrs to clear it. And of course they have not produced a CCA.
  15. I finally got this letter sent. My ongoing health problems made me put it on the back burner as I was making payments (very low because on sick pay) via CCCS. What has incensed me is that, this month, they have suddenly started adding interest.
  16. Thanks both. I will redo a letter over the weekend and post it back up for comments.
  17. Thanks cymruanbyth. What do you think of this: Without Prejudice Thank you for your letter dated xxxxx. The contents have been noted. May I point out that this accout remains in dispute as you have been unable to supply a CCA requested XXXX and therefore this debt is unenforceable in law. As you are aware, the alleged debt is part of a DMP administered by the Consumer Credit Counselling Service (CCCS) since January 2006. A long period of sickness began in June 2008 after the sudden death of my husband. This has been followed by surgery in March 2009 and subsequent post -operative complications resulting in an income reduction. I remain off work for the foreseable future. At the present level of payment into my DMP, it will take 40 years to clear the debt. In view of my situation, a relative has offered to settle the debt with a lump sum of £400. The original amount was about £1800 and they offered a 60% reduction ...ie just under £750 I will add in all the blurb about full and final from the templates available. The amount I am offering is about 20% of the debt.
  18. Could someone give me some advice with this please.
  19. After sending the Account in Dispute letter way back in Nov 08, a letter arrived today from BLS Collections offering to settle the debt at a reduction of 60%. I know they shouldn't be pursuing this debt as they have not produced a CCA but I would like to get rid of this debt quickly. Advice gratefully received on my thought to go back to them and offer a settlement figure which amounts to 25% of the original amount which I am not disputing is owed. The letter states that my credit file will be marked "partially settled" so could I ask for it to be marked "Fully settled?" To recap: I was off sick following my husband's death in June 2008, returning to work Feb 09. I went off sick a month later for an op and due to post op complications, I will be off for at least another month. Could I use this information when offering a settlement figure? I only ask because I did not qualify for sick pay Jan/Feb and am now on reduced wages again. I receive some pension payments but not a lot. My DMP with CCCS remains at an extremely low level and is due to be re-assessed when I return to work. My present level of payments to my DMP means it will take me about 60 yrs to clear the total debt so it could be in BLS's interests to accept a very small amount now.
  20. 42man the only problem with flowers for a year would be finding enough vases to put them in
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