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WorriedofDevon

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  1. Quick update! Received my monthly statement last week informing me that MHA Collections are now taking over the running of my account. I took a deep breath and telephoned them, only to be told that, no, they weren't dealing with it, it has been handed to the Consumer Debt Recovery Team!!!! Another deep breath and I called them, only to speak to the most polite and helpful lady I've ever encountered at LTSB! Long story short, I am now paying £20 per month for the next year when it will be checked again. I fully expect to be able to up the payment then. I have been sent a paying in book to use at the PO or bank. No further interest and no more late fees! The relief is palpable here in Devon, I can tell you! A huge worry off my mind, for 12 months at least lol! Thanks to everyone who has read my rantings and offered such great advice. Luffs ya!!
  2. hi all!! Another update - some advice needed again tbh! Last week, I received my monthly bill which had a little notice in the top left hand corner which read something along the lines of "Your account is very out of order (!). Please pay £800 odd immediately. If you are having trouble paying (no sh** sherlock - read my 6 previous letters to you...), please call us." I sent my payment of £15 to them but have not, and will not, telephone them. I have increased my monthly payment from the tenner I was paying as they are STILL adding the £12 late fee every month. However, this morning, I received a letter from Sechiari, Clark and Mitchell!! I'm sure plenty of you know the one I mean. "If full payment is not received within 7 days, court proceedings may be instigated against you without further reference...... If you are unable to pay the full balance our client may be prepared to accept a reduced sum, together with realistic proposals for regular monthly payments. You must telephone our client upon receipt of this letter" etc etc... I am just in the process of writing them a letter and, yet again, sending a copy of my incomings and outgoings and offering £15 per month for the foreseeable future. Is it worth sending a copy to the solicitors as well as the bank? I see it's the same address lol!! I really do not wish to talk to them over the telephone as I have tried that and I got NOWHERE. Is it OK to insist it is all done by letter? Incidentally, they are well over the 40 days for compying with my CCA request, it's more like 4 months. I haven't yet received a reply to my "letter of complaint" concerning my disappointment at receiving a default letter either. (( note to self - must buy a lottery ticket...)) Thanks for reading this, guys!
  3. Update I have received a letter from Customer service recovery centre thanking me for my complaint and it has been sent over to "Credit Ops Customer Service Recovery Centre"!!! What on earth does this mean?? The last letter I sent just said as you have not complied with my request for CCA, the account is in dispute and i wasn't happy to receive a default letter from them. It says i will hear from them in approx 4 weeks - i won't hold me breath! Wonder what I will get from them next? Anyone have any ideas? Has anyone else received this letter?
  4. All done! Again, thanks for the easy to follow instructions.
  5. Many thanks guys for the welcome and the help!!!
  6. thanks for that - i thought that was the case after reading many threads on here! You're right - why am I giving them anything?? Tbh, it's coz it's taking a while for the guilt of not being able to keep up my payments to disappear! Could I withdraw my offer of £10 now then, do you think?
  7. Hi all!! i have been lurking around the forums for months now gleaning some great advice and info from all of you here!!! You're all sooo great!!! I have recently started down the long and slow road of getting LTSB to accept a lower monthly payment on my huge credit card bill as my hubby's guaranteed overtime has been cut with no warning! Major belt tightening is ongoing lol! I have had the usual guff letters and ridiculous phone calls which culminated in a lady putting her phone receiver down and refusing to talk to me!!!!! I could hear all the background voices but she just wouldn't (actually she COULDN'T!)answer any of my questions....! The last letter I sent asking for acceptance of £10 per month and interest/charges freeze was ignored by them until today. I received a default notice throught the post this morning asking for £623 by 25/06/2008. I have fired back a letter about non-compliance of CCA request back in Feb. What can I expect back now? I have been paying a token £10 per month since January of this year. Incidentally, I owe approx £10800. Int rate was 15.9% but is now zero, for now! They are, however, still slapping on £12 late payment charge each month so every tenner I pay is eaten up, plus a bit more, by this charge! Any advice would be very gratefully received. Incicentally, if this thread would be better off elsewhere on the forum, could it please be moved or let me know and I'll move it - thanks all!!!!!
  8. Hi all!! i have been lurking around the forums for months now gleaning some great advice and info from all of you here!!! You're all sooo great!!! I have recently started down the long and slow road of getting LTSB to accept a lower monthly payment on my huge credit card bill as my hubby's guaranteed overtime has been cut with no warning! Major belt tightening is ongoing lol! I have had the usual guff letters and ridiculous phone calls which culminated in a lady putting her phone receiver down and refusing to talk to me!!!!! I could hear all the background voices but she just wouldn't (actually she COULDN'T!)answer any of my questions....! I received a default notice throught the post this morning asking for £623 by 25/06/2008. I have fired back a letter about non-compliance of CCA request back in Feb. What can I expect back now? I have been paying a token £10 per month since January of this year. Any advice would be very bgratefully received. Incicentally, if this thread would be better off elsewhere on the forum, could it please be moved or let me know and I'll move it - thanks all!!!!!
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