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Everything posted by blinkyblinkyblonk

  1. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. Hi not sure if this is the right place but here goes: sorry if it is :-| I am in a housing association house, I gave notice to quit on the 7th July 2008, having not heard from the housing association i gave them a ring to see if they have actually received my letter today and my housing officer informed me that they had not received the letter. This was posted first class on the 7th July. unfortunately in my haste I have no proof. She said she could take the notice as of the 14th July because if they had had received the letter possibly on the 9th July, they would take it to the next Monday after the letter was received, which is the 14th July. So instead of my tenancy ending on the 3rd August as planned it will now finish a week later which means I will end up owing them a weeks rent. I would like to ask a bit of advice on this as surely maybe they should take the notice of when the letter was dated or at least when they received it in the office, to which by the way they have no knowledge of. I suppose I cant do anything if they are saying they didnt receive it? She also said they take their tenancies from Monday to Monday? Anyway she said if I email her the notice then she can take it back to the 14th July 2008, to which I have done. Im not sure i have a leg to stand on but thought I'd ask anyway, I have a assured tenancy which I knew i had to give 4 weeks notice.
  4. Sherlock: thank you i have prepared for tomorrow and see what happens from there. sorry just a tad confused here is a SAR the same as CCA?? thank you thank you toddle2u, so basically they are trying scare tactics possibly, so you're right! it has been improperly served . Does this mean if they do take me to court I can then say that the statutory demand was not served on me correctly??? or will it get that far?? thanks again.
  5. Lookforinfo - Thanks for the info, its not so much the bank etc its more of a credit card that i had when i was married about 3 years ago. I'm sure that this amount is the actual amount that was owed all that time ago. I was on a dmp with this but i cant keep up the payments on it. I havent informed them of this i just stopped the dmp stupid i know as now this is what has happened. on the statutory demand the particulars of debt are as follows:- (a) the debt was incurred by monies due under a financial agreement. The debtor is in breach of the repayment terms and has failed to adhere to the terms and conditions of the repayment arrangements. The debt has been assigned as shown on part c p3 hereof. (b) The debt is in respect of outstanding monies owed to the creditor by the debtor for non payment of a Lloyds tsb agreement. The benefit of the debt having been assigned under an agreement to 1st credit finance limited. © The amount due at the date of the deman is £4000 . or just to offer them £2.50 a week. saves all the hassle, but they probably wont accept this. as i have been on a dmp twice with them. and twice i have had to stop. as I couldnt afford the amount they wanted. (with the dmp it looked good on paper I had all this benefit money, but when it came to the payment there was just nothing there.) I think i will be going to court with these people. as i have defaulted on payment agreements with them in the past. Im not sure about sending the template letter for the original credit agreement
  6. Toddle2u: thank you for answering lookforinfo - thanks for the info, the debt is for a credit card from Lloyds TSB for approx £4000, I suppose i could make an offer but it will only be about £2.50 per week, although I was contemplating going bankrupt myself as I have a lot more other debts as well, ( was going to ask my mum for the bankruptcy fee) they total under £20,000 about £9,000 approx. If they do make me bankrupt, although a last resort, would it be too much of a problem as I am contemplating it myself. I dont know really what to do, I cant seem to turn anywhere Hitting head against a brick wall comes to mind though. I do fit in all of the categories, so what happens next.
  7. hello I hope somebody can help me on this. I have received today a Statutory Demand from Connaught collections/1st credit. They sneakily caught me as I have signed for the above statutory demand. It came this morning by interlink express. I did pay them for a little while on a debt management plan, but I cant afford this now. so hence i stopped it. There is no covering letter with it just form 6.1. I have read all the forums on this site regarding this company and have become a little confused to say the least!. Can they really go forward and make a bankruptcy petition, to be honest i am at the end of my tether with this debt, (previously ran up (jointly) when i was married 3 years ago, debt was in my name so hence i get stung) now I am a lone parent with 4 children. Would this mean I will be made bankrupt. I have no means to pay, I have nothing to offer in instalments thats why I stopped my dmp. Im confused on the Subject Access Request. can i do that will it help me in anyway?? I Hope someone can help me please
  8. hi dave, exactly the same thing happened to me, albeit ive been here a year but I am on the electoral roll as i asked the council to send me a letter to confirm to which they have done makes me so annoyed!!!! looks like ill have to do the same as you, and send them the details they requested grrrrrrrrrrrrrrrr
  9. hi kellyplanet it is entirely up to you, but believe me they will catch up with you, i made the stupid mistake of thinking the debt collectors wouldnt find me but they did at my new address, and if the charges on both accounts amount to more than what you owe, its a good way of clearing the debt, thats what i did and had some change, good luck in your decision.
  10. yes lol something stronger does come to mind!! lol prats seems suitable in print lol i know its a pity i cant prove it, but when i win the lottery im going into the halifax and say ive got this cheque for £1 million can you help me. let them run round a bit, and say nahhhhhhhhhhh oh how i dream lolol good luck with yours marilyn not that you will need luck, as to the courts i am on benefits, and because my letter was more than 28 days old they wouldnt accept it to be exempt, but thankfully, i put my income and outgoings in and they granted me mind you i was 52p over but they let me have the exemption. im watching with interest on your thread
  11. oh yes!!!! lol point taken mariana rofl ill just take my money elsewhere just aggravates me they can do this, im gonna send a letter , polite one of course lol
  12. I wonder if anyone has any direction on this. I have just today received a letter stating that: Thank you for your recent application for a Bank Account (nothing about basic which is what i applied for) apparently my application does not pass the qualifying tests that they use. funny how i spoke to a lady last monday, (when i went to get my balance from the refund of bank charges, after paying the debt to them), I was all verified, and just applying for a basic bank account. I cant prove it though which puts me in limbo, and its come to my notice that this is a new sort code and account number to the one they paid the charges into. any help would be much appreciated thank you
  13. rofl!!! now i could've written that myself pmsl nice one mariana, OH how i wish i had the proof that they have shut my account because of reclaiming bank charges successfully my point is that the account is now clear, so why not offer me a basic bank account they are being funnyyyyyyyyyyyyyyyyy
  14. hi libby 1 for the courts 1 for the bank and 1 for the court then they send you a copy hope this helps just been reading your post you go gal just look below on mine!!!
  15. oh what a surprise!!! halifax have declined me a basic bank account mmmmmm wonder why!!! oh and my application does not pass the qualifying tests that we use. oh and that would be WHAT exactly!! and........... signed by garry r d kettle if you lovely people know of a somewhat GOOD reply to my decline i would be most grateful
  16. hi bantam, this is a reply from your preliminary letter? if yes then wait 14 days since you sent the preliminary, and then send letter before action, this is standard reply, in your letter before action add a bit where appropriate that you will accept this offer only as part payment, and will continue to pursue the balance. do not accept this as full and final settlement, only partial hope this helps
  17. I had a debt with halifax and was starting a debt management plan to pay them back. This was whilst i was claiming the bank charges, and now i have taken them off because the charges cleared the debt, if you're not on a debt management plan with them or are not paying anything back offer what you can afford and when your charges come through , dont pay them anymore not sure of your situation at the moment, but whilst you offer to pay it back it keeps em off you for a while hope this helps
  18. jo no need to worry i had exactly the same letter on when i came off on my hols from courts, last saturday i had a letter from the halifax stating their usual jargon and saying they were paying in full, on monday 10th july the interest payment went in first and then the refund of bank charges went in second!!! ( I had online banking so kept signing in every five minutes) lol so....................... dont worry and do start writing that shopping list!!!!!!!!!!!! I did and got a new tyre for me car, and a huuuugeeee swimming pool for my 4 children andddd a new carpet for my lounge sadly i didnt have all the money to myself as i paid a debt off but even having £500 pounds to meself wassssss wonderful!!!!!!!!!!!!!!! good luck patience is a virtue xx
  19. not long now henrysdad, I too had the same on my halifax current account, changed to a cardcash account arrears are all clear now but, first i was told i could operate the account as a cardcash account and then i am told its being closed!!!! some of the advisors in customer relations dept need a kick up the you know where!!!!
  20. oops sorry put wrong quote in there lol you will be fine i had the same thing as you, and going through the same emotions take a deep breath i know its hard but it wont be long!!!!!!!!!!!!
  21. milly breathe!!!!!!!!!!!!! lol take a deep breath hun honestly it wont be long
  22. well done mama on reading your thread you were at the same stage as me or i was the same stage as you lol but many congratulations to you mine was credited this morning tee hee oh what a feeling!!!!
  23. oops i didnt put the daily interest in. just the 8% and im sure now that that was wrong because when i do the 8% interest on the cag calculator it was much more than on the spreadsheet. either im thick but the daily rate only worked to about pennies so didnt think it was worth it. i may have been doing it wrong sorry i cant help but barracad kindly has
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