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lexis200

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lexis200 last won the day on March 27 2009

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  1. Sorry dx, I'm not ignoring this, my laptop stopped working yesterday so I'm a bit stuffed on scans atm. Will upload as soon as I can.
  2. Thanks for the reply DX. I know, but at the time I'd have been a mess if it had become litigious. Probably still would tbh, but I feel more up to dealing with DCA than the OC for some reason. I'll scan up later, not at home for a while.
  3. Hi, I'm hoping for a bit of advice please. After some very distressing problems many years ago that caused us a significant amount of financial hardship, I dealt with our cards years ago with the help and support of the people on this site. However, I gave up on some having got nowhere with them (sorted all of my husband's, but ran out of oomph when it came to mine), and stopping paying everyone who didn't comply with CCAs etc was just too much for me. As a result of this, I've been paying Tesco £11ish a month for the last 10+ years on what was a 7k deb
  4. If anyone knows of a good one, I'd really appreciate a number or URL please. OH is likely to need to start a constructive dismissal claim in the very near future, and I'd much rather use someone based on a recommendation than just pick one at random. Thanks Lexis x
  5. I loooove the original glazed ones They're much better if you can get them hot rather than from the chillers in Tesco etc. On our very occasional trips to London we'll nip to Harrods to browse the food halls (aka gawp at people who are genuinely doing their weekly shop there), and you are often offered a freebie off the rack whilst queing for one (yes, we have still bought them afterwards!) I have worked out a very close recipe to them though, so I can make a ton in the comfort of my own home. Which is handy really, cos if I make them and eat them I can't get out the house anyway
  6. Hi again I just thought I'd update a bit on this... It seems there may be a couple of fairly substantial issues with the paperwork Halifax have sent (in our favour), so the sols have asked for more time and are requesting docs from the bank. I'm not sure how much it's ok to explain, so I'll just leave it at that for the minute. As soon as I can post more details I will in case it helps anyone in the same situation. It's not at all cut and dried, but at this precise moment it's looking better for us than them. Lexis x Ps - Unfortunately OH's grandmother passed away las
  7. Hi Ford Hopefully she's on the mend - she's 96 and has been taken by ambulance to the hospital twice in the last fortnight, but appears to have the constitution of a cyborg and keeps coming back from the brink! It's just very worrying for all of us! I'm feeling much better about this. I've spoken to the solicitors and they've said due to the PPI, which appears to have been mis-sold, and a couple of other bits and pieces which look iffy, that we should be defending and disputing the claim in full. It helps that we can show apart from these blips in payments, OH has been paying for the
  8. Hi again Sorry for delay in replying, OH's grandmother was rushed into hosp on Friday - this has not been a good couple of weeks! As far as I can see, none of the 3 BOS/HBOS accounts show a DN being issued in the logs I've received. There's one that could possibly refer to it on one of the other BOS accounts, but it's something like 4 years before a default was actually issued, and it seems to just say Def req (or similar), so your guess is as good as mine. I just can't find anything in this particular account's logs though that even hints at a default letter. About to ca
  9. Hmm, thought so. They may have a problem showing one was sent though unless they've held something back from the SAR, as I couldn't find reference to it in the mountain of stuff they sent me. With regards payments, there is no problem keeping up. It was genuinely an error (on our part) as OH was unaware there was an end date to the SO he'd set up. Circumstances meant he didn't chase it quickly, but the SO is back in place and he's ensured there is no cancellation/end date, so there is no reason that payments would be missed again. There was no attempt to not pay (I know you're not suggest
  10. Hi Yes it is however I'm not at all convinced they're actually aware that the payments have been restarted. My fault completely for not writing to them and just getting OH to set it up (seriously, the one time I let replying slide this happens!), but knowing how banks generally don't know their a**e from their elbow, it wouldn't surprise me in the slightest if the debt dept hasn't communicated with the legal dept (or similar). This is why I'm still thinking about whether it can be avoided by clarifying OH's willingness to pay as per one of the options on the claim form. Just as an as
  11. Hi Ford Slightly panicking! I'm having a little to and fro with sols at the moment as this (if it goes down the court route) will be over the small claims threshold. I've got till the 20th before OH has to acknowledge, but at the moment I still don't know which way to go. I have been going through the old paperwork though which has ended up really irritating me. They did this whole shebang a while ago, right up to the point of sending a NIP if full payment wasn't received; OH just carried on with the agreed payment plan payments and they went no further. Where's the consistency?
  12. Thanks Andy I've got the SAR out and will be looking through it tonight. Hopefully that will nudge us towards one decision or another.
  13. Thanks so much for getting back Ford. The claim was dated 1st Feb, arrived yesterday so by my reckoning the deadline is the 20th. Service has not yet been acknowledged online as I just don't know whether to do the 'acknowledge debt but need time to pay' or 'disagree with the claim' due to charges etc - I don't even know if that would be a reason to disagree tbh. Regarding the PPI, yes, it would cancel out the claim and then some. At my last estimate we'd end up about £4k in the black - £6k if charges were upheld too. Of course though I may have screwed that up by leaving it too long,
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