Hiya Folks, I received a letter from Moorcroft's earlier today, its a notice of intended litigation(thats how its worded in the letter). I admit to falling behind with my agreed monthly payments, this being due to me being diagnosed with cancer and everything going to pot! My brother informed them on the telephone of my medical situation and we didn't hear anything until yesterday. My thoughts are to write to them and explain why the payments have been missed, and to enclose a cheque for my usual amount as a measure of goodwill and informing them that I will re-start the monthly payments. My operation to remove my tumor is next week and then hopefully life will return to normality! I would appreciate any advice given, so know I await your input. Namaste, seeker27

sillygirl1, forgot to mention that I do owe UU the money:-( however, the quality of our drinking water is disgraceful, as we have had it tested(I must find the photo and show how bad it is - we purchased a water filter system which also removes fluoride). I will research whether we do have to pay for water when it is of such poor quality! Namaste, seeker27

great advice Revanant - thanks! this will be my 4th op for cancer in 5yrs, so I'm an old hand now!!! I even enjoy the damn operation!!! Weird I know!!! Namaste, seeker27

sillygirl1, thanks for the advice which I will take on board. Also, I'll refrain from sending a cheque! Any ideas on how to word a letter? Namaste, seeker27

Hiya Folks, I received a letter from Moorcroft's earlier today, its a notice of intended litigation(thats how its worded in the letter). I admit to falling behind with my agreed monthly payments, this being due to me being diagnosed with cancer and everything going to pot! My brother informed them on the telephone of my medical situation and we didn't hear anything until yesterday. My thoughts are to write to them and explain why the payments have been missed, and to enclose a cheque for my usual amount as a measure of goodwill and informing them that I will re-start the monthly payments. My operation to remove my tumor is next week and then hopefully life will return to normality! I would appreciate any advice given, so know I await your input. Namaste, seeker27 PS I have now downloaded the UU Trust Fund and will complete and send off tomorrow.

Thanks for the email address and to answer the address question I sent it to Leicester. Cheers!

Thanks for your advice. I no longer entertain contact with any DCA on the telephone. I admit I did speak once, but it was on my terms - however it was a one off as I have been well advised by the wonderful people on this forum. I shall write to both "parties" again as I believe the DCA is in-house - can't remember the name at this time! seeker27

How do you work out what is owed? Please excuse me if I appear dim. I have a number of issues on the go and suffer with severe pain and my meds make me so tired - mentally I'm on a go slow:-(!!! Appreciate any help - thanks in advance. seeker27

Hi! I wrote to A&L about four weeks ago regarding claiming back my bank charges as I am on benefits. A&L have so far not responded. However seeing how they have disgracefully treated other people in this thread I am seriously thinking of getting a basic bank account before proceeding further. One reason for me taking this route is my chronic heallth - in a word its dire! I tire easily due to my pain and also the meds I take. I would appreciate any input from some wonderful and kind souls in this very supportive forum.One final question - is there a decent basic bank that anyone would recommend?!?! Thanks in advance. seeker27

I wrote to A&L over four weeks ago regarding unfair bank charges as I am on benefits. They have not responded to my letter and I am wondering if I should re-send my letter again. Thanking you in advance for your advice. seeker27

Hi All, This is in connection with Council Tax Arrears - which I've now paid fully! I was late with a payment to the DCA and they then put a bailiff on my case! I did get some excellent advice from this forum which was very beneficial in dealing with the (illegal) tactics of the bailiff regarding their fees. I wrote to the council informing them of the conduct of the bailiff and DCA, plus informing them that I would be paying them directly(plus a copy of my letter to the DCA); which I have now done and my arrears have been paid in full. I hand delivered my letter to the One Stop Shop and have a receipt. This was roughly six weeks ago and my letters have gone unanswered, that is until today when a letter from the DCA dropped through my letter box! A summary of the contents:- Dear Mr X, £***** owed to City Council in relation to a Council Tax debt. 1. Offering me a final chance to make a payment to discharge the debt. They may consider an arrangement where appropriate. 2. They have given me 7 days to respond. Warning me that they will be forced to return the Liability Order to the council with a report to indicate that I have failed to respond to their (this is a LIE as the letter which arrived today was their first response to the letter I sent to them and the council - dated March 25th, 2009)requests for payment(my letter to them told them I would be paying the council direct). 3. Informing me that I face a court appearance and possible prison. I would appreciate advice from anyone regarding what my next move should be. What my thoughts are is to visit the One Stop Shop with copies of my correspondence and the letter I have just received, and the receipt from March 25th, 2009. Thanking you in advance. seeker27

This is fun...kind of! A&L passed the debt to a DCA. I corresponded with the DCA enclosing a financial statement with an amount I could afford. This has been refused by the DCA!Now A&L are also writing to me about my debt to them! Confused! I am! I will sit down later and read all the letters and respond accordingly. Has anyone else experienced similar?!?!

Alliance & Leicester have passed my debt to an agency after my letter with financial statement and offer. A friend has told me that as the original debt in not with the DCA that I don't have to pay the DCA. I would appreciate your thoughts on this! I have spoken to the DCA informing them that I will send them a financial statement with an offer. They have requested proof of my being disabled and want a phoyocopy of a letter to this effect. I do not want to send any such documentation as this was not asked for when I applied for the loan, so why should I do this for the DCA? I do have the relevant correspondence, its not my being awkward its a matter of principal and also of privacy. Thanking you in anticipation. seeker27

An update from me! The DCA to which I had been paying £100 a month ceased to deal with me due to my making a late payment, they then sent me a letter from a Mr ****** (a bailiff) with his mobile number to contact; which I did. Mr ****** told me that my balance was £300(roughly)! This was news to me as I had calculated that my remaining payment was £93.50! Our conversation carried on with Mr ****** saying, "I'll give you until the 16th April - but I'm putting my head on the block"! I then turned to this wonderful forum and was baptised with wonderful information! I wrote two letters, one to the DCA where the bailiff is from! Informing them that I knew my rights and fees which can be charged legally by a bailiff - and informing them that no bailiff had visited my property and no document signed by myself either. I also asked for a breakdown of the charges the bailiff verbally told me of, and I am still waiting! I informed them that I would be paying the council direct. My letter to the council included a financial statement and a supporting letter from my GP, and a copy of my letter to the DCA. This was hand delivered to the One Stop Shop and I have a stamped receipt from the very helpful staff, which I must compliment because they are very helpful - which makes a pleasant change! I have received no further correspondence from either the council or the DCA. Tomorrow is the "head on the block day" otherwise known as the 16th April!!! I am indebted to those people who have donated their time to helping me, because without your help I would have panicked. A big thanks to you all!!! seeker27

Thanks very much for the above advice. I visited our One Stop Shop last week and handed over my letters regarding the fact that I am paying the council tax arrears directly to the council and not the bailiff(I have copies of what I sent both on my PC and in my filing cabinet). Also included was a copy of my letter to the bailiffs office asking for a breakdown of their charges(£140 for ???!!!!). I only have one payment left, end of April and then the arrears are paid and cleared! I will be glad when this episode has been done and dusted!!!