Thanks for that dx!!! I had it in the back of my mind that they were trying it on! Will as you've said ignore it for now, and await the next letter they send? And yes got two letters now both confirming that the debt is at the right amount which is fantastic, as it now shows it is coming down and not up several thousand pounds as it was in the hands of optima!!!

Am not even sure if they realise these are court ordered payments? And not installments as they like to call it? Thanks for your help Chaps!

Regards

Bill

Yes they all were and i have to pay each £20 pcm which is all i could afford then and now! Does that help?

Don't think i can do that as i'd have to go back to court? As all these debts are all from old CCJ's?

Bill

Thanks for that, have been paying all 4 creditors the same amount for 10 yrs now! each get £20 per month as that is all that's left after the end of month i literally have no money left!

I hope as per usual its a DCA trying it on to get more money?

It sort of makes me laugh when it starts thank you for continued payments we want you to pay only what you can afford! then invite me to call and pay six times more than i can afford???

Love them!

Good Morning Everyone!

Been a little while, but would if possible like some advice?

Have thread long time in running ( it's here somewhere i believe?)

old MBNA debt passed on to MEIII from Optima ( vast difference in amounts owed, last from Optima was 17.6k they were adding interest when they shouldn't have) Sold to MEIII for 15.7K.. i knew the amount was smaller as i've been paying £20 a month towards this debt via court order etc. etc. 

just had a letter from Mortimer (with finally the correct amount 9K.). It acknowledges that i'm continuing to pay my debt off, but would like me to pay by instalments of £120 per month to clear debt off sooner! Now there's no way i can afford that amount, i can't even afford an extra £1. So they've asked me to get in touch to arrange my new plan?

My question is

can i file this with the rest of the old letters from all the old DCA's or politely remind them i'm paying via court order?

Oh! And can i safely ignore this rubbish? And just carry on paying as i've never missed a payment to all 4 of my creditors!

Thanks in advance to all you kind people

Bill.

Afternoon Chaps!

Been a long time,

had an old MBNA debt (ccj and co from them.)

Optima had sold the debt on to MEIII and were adding interest to the credit card debt etc etc

they have never ever sent any statement of account,

never informed me they were going to charge it etc etc.

now optima are passing it all on to mortimer clarke...

i now have three different letters with three different amounts owed!!!

The last one from Optima was roughly where the amount should be after paying all these years!

Now MeIII shows it at £6.5k more than Optima,

yet last year they sent me a ie form showing a balance of even more than MEIII!!!!

Confused i certainly am?

So question is which one am i entitled to believe?

Regards..

Bil.

Cheers Cad! So i dont need to bother with a letter for them then? Cos i really cant be bothered writing to them, but would like to point out that ive never missed a payment and its a court order etc etc!

Thanks as always Cad"

Hi Cad! Hope your well? Yeah i get same sort of thing from optima... But this one from Rectums states if i dont reply by 17th then they will cancel agreement and seek the usual court baliff etc etc...

And just checking! are they legally entitled to an I@E form or is it just the court that can ask for it please? Just checking before i write them a nice snotty letter on Monday!

Regards.

Thanks for the reply! and am sure they are trying it on just not quite happy about the threatening context of the letter!

Regards.

just had a letter from Restons threatening me to fill out an I&E form etc etc and if i dont send by 17th this month they may cancel my agreement

( wonder if the court will mind as its part of the ccj payment they set) and instigate legal/ and or recovery process!

ow can i ignore the sods as its a court ordered payment?

or can i just send em a snobby letter back pointing out the obvious?

Any thoughts please!

Well its was signed for anyway! But have not heard a peep out of them so don't know if that's good or bad lol!!! As in no receipt at all?

Bil

Hi Cad!

Thanks for that! Was going to send them an email as i really don't want to talk to them so will send em a PO with reference number etc etc and a quick note with an explanation on it! How's that sound?

Bil..

Thanks for that! At least my number is withheld!!!

Certainly don't want em having that puppy!

can send em a Postal order straight away!

But its the thought of speaking to these people that caused me a lot of issues!!!!!

Just worried that with the ccj and restriction etc etc it will give em leeway to pop to the courts again?

But thanks for your quick response...

Bil

Hi chaps! Been a while?

just another piece of help if you don'y mind?

may have missed a payment today to these guys as my card was cloned in London and my account has been emptied have only found out just now!!!!

bank are fine and will sort it all out in next few days,

but am worried that a payment has been missed to these guys?

according to my court order don't have to pay till 14th of each month

but they want it on 1st etc etc!

Not happy that i'll have to phone them to explain,

knowing what they are like!

But any idea if they have a pay online option?

Thanks in advance..

Bil

And have never missed a payment before not that that helps...

Thanks for that Mould! Just been through a few of the old letters from Optima and ocassionally it shows that the debt was reducing with the threat-o-grams etc etc then sold on to ME III or whatever they call themselves now? With a total..

Then few months later the optima letter with the extra 2.5k appears on it definitely think they are trying it on now i've seen the old threats?

Thanks..

Thanks for that chaps!

But the question i'd like to know is? If optima have sold it on to Marlin. Can optima still keep sending these demands and threats?

Thanks..

Apart from marlin sending me a letter to confirm they have bought it off mbna i haven't heard a peep from them? it's optima that keep sending all of this, and as they were the ones who took me to court etc etc. They should know this, shouldn't they?

Just wondering why if they've sold this on to marlin that Optima are still sending all these lovely letters to me?

Regards!

Hi there!

Yes family are good thank you, am just getting fed up with these people am trying to get the old head above water and these chaps just can't resist putting the 'old boot in!!!'

Not worried about sending them a letter, as i did the above mentioned over a year ago, and got the reply of we confirm your installments and amount etc etc keep paying blah blah...

But if they carry on i will be looking at going down that road eventually!!!

But just want to know can i just ignore the rather lovely letters they keep dropping?

Regards.

And another thought, if they've sold this on which they have done. Do they still have the right to send these letters? Shouldn't it be Marlin?

DuffNCustard said:

You have a CCJ for a debt that has been sold a couple of times - no matter the CCJ binds any debt owner

 

The CCJ did not specify a monthly payment amount, the original Judge left it to you and the original creditor to agree this seems to have been done and £20 per month was agreed verbally

 

it would be good if you had this in writing

 

Cheers DonkeyB a small glimmer of light at the end of tunnel will get on to the court Monday can't be bothered stressing over it this weekend!!

Personally i think it really is the case of them trying it on yet again?

Bil.

All i / we had was letter from optima saying they've sold on the bits and bobs to marlin, absolutely nothing from the court. and to keep paying optima and they pass it on to marlin!

I thought someone pointed out that the original installments from 15/10 of 20 pounds were referred to by the charging order?

Are the links on page 27 not showing?

And the process went like this:-

1 Claim form received

2 I admitted the amount sent it off etc

3 they set levels to 20 pound installments

4 carried on paying that till they went for redetermination

5 They tried to get it sent to court in London i objected it was then sent to Bedford

6 postal strike at the time we all remember it! Nothing came in post for either side both didn't attend!

7 was issued a forthwith!

8 they went for ico and co which they obviously got (was stressed about them forcing sale but DJ said keep up payments as ordered, and he woundn't be happy if they tried anything etc etc) not got court transcripts though

9 Sure i have letter that i sent pointing out that the court ordered the 20 pounds after they sent first i&e forms they sent letter saying keep paying that amount

10 nothing for ages except that letter of selling it to Marlin

11 then wham this letter with i&e and the extra 2.5k on top..

Does that make sense lol.. Oh and this letter was dated April and got it few days ago what's that about the usual 7 days to contact etc etc.

Yep had a quick look at a link one of the guys put up and it says they have to inform me in writing that they are going to do this and that they have to send statements of account etc etc and i have had none of this from them?

But it seems to me they can do whatever they like and get away with it did everything right with my case and still ended up being rolled over by them..

sorry to rant very upset at this now...

In the box at the bottom? i think that's on every single one is it not? But if it's not in the poc surely i can challenge it, otherwise by the time i've paid off the original amount they will then be expecting a further 45k at the rate they are charging now?