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Micky the Hippo

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Micky the Hippo last won the day on August 12 2019

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  1. You are in good hands here, I suggest you follow the advice given and have no dialogue with the other party at all other than advised to. The other party throughout will try to intimidate and frighten you, most especially with legal action and court. It is almost certainly bluff. They can threaten court action, set a date and a time and fold on the morning of the day, they usually do. If they are offering settlement figures then that is a sign of weakness on their side. Hold your nerve, be brave and follow the advice you are given, it's worked for hundreds of others and it worked for me on several cases with several lenders far more reputable than doorstep merchants
  2. Cool, please consider a modest donation towards the running costs of the site in return for the support and advice.
  3. I'm not familiar with your case but two general points, if you really have had enough and you can afford to settle then do it. And the fact that they are agreeing to increasingly lower settlements could be seen as a weakness and reluctance to go to the last stages And the other side will try and discourage and unsettle you right up the last seconds that's what they do if you were confident only a month ago, what has actually changed since then to make you want to fold?
  4. Excellent, please consider a modest contribution to the site in recognition of the help you have had and the potential expense saved.
  5. Have not read the thread but the debt job will bluff all the way to the last second that they will take you to court and smash you to pieces. Just play a straight bat and do what you need to when you do and take it one step at a time.
  6. all going to plan so far, or at least exactly as my case did, hold your nerve
  7. No reason not to as car as I know, get it done.just don't leave it the end as it took me a few days to get through to someone.
  8. Takes a while to get through. The person at the other end knows the drill and will ask if you have the material you require to be able to mediate, you say no (CCA). That simple, getting through to them is the only aggy bit.
  9. Hello, still no agreement? It almost seems like the powers that can no longer be bothered to cobble together a copy. So far this one seems to be effectively the same as mine from what I read so far.
  10. The wife says this gets sent every month, tsk. Can mods delete please
  11. Hello all, I moved from Barclays quite some time ago, leaving behind an o redrawn account,within a limit, of about £1500. My wife has been repaying as part of a debt settlement thing di all good. Today a Termination Notice with effect from the 6th and tbey want the £1300 odd straight away else the usual threats. Just supposing I don't have that sort of money lying about ... Is there best practice from this point? I've done bank charges and credit card ccas but this is different I assume? Is there anything to challenge or is it just case of agreeing some sort of repayment with them? It's an old current account from perhaps 15 years ago that we stopped using perhaps 10 years or more ago. As ever thanks.
  12. hello Nurseslayer, Hoist/Cohen have just discontinued on my case, also without an agreement ever being produced, I had a court date set for next month. I appreciate our cases are different but as per the mods' advice, it's a matter of sticking with it and calling their bluff. I was expecting them to go a lot closer to the wire, perhaps they're having a pre crimbo tidy up, good luck.
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