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Brief summary of original post, re solicitors letter.


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A brief summary of original post (Martin3030 suggested that I post here for a better response). Original post http://www.consumeractiongroup.co.uk/forum/general-debt-issues/186151-6-creditors-29-000-a.html

Been dealing with various creditors since October 2008.

Northern Rock personal loans have accepted reduced payments until Feb 2010.

Capital One credit card have yet to reply, same with CitiBank credit card.

NatWest credit card sent me a inc/exp form to fill in on 6 Feb 2009, yet to hear from them.

This despite all the creditors having an inc/exp form sent to them all, drawn up by the CCCS together with a list of all creditors and a suggested monthly payable amount, again from the CCCS including Lloyds Tsb.

On Tues 24 Feb I received a letter from Sechiari, Clark & Mitchell making a formal demand on me to repay the account balance in full.

I could do with some advice on how to respond to them.

 

Also yesterday Wed 25 feb, I received a letter from Lloyds Tsb stating "having reviewed the information, we cannot accept the payment proposals in this department.

Our action will continue and following the issue of a default notice and formal demand, the account will be passed to our CDR dept.

Should you be able to submit a more relistic offer please call us on 0845-----------".

I refuse to answer the telephone or call them, as letters to and fro are a more permanent record.

I could also do with some advice on how to respond to this as well please.

It just seems never ending after going on for the last 4 months.

Regards.

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Have you considered sending off for copies of your agreements ?

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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On Tues 24 Feb I received a letter from Sechiari, Clark & Mitchell making a formal demand on me to repay the account balance in full.

I could do with some advice on how to respond to them.

 

 

Hi allets,

 

I have had a read of your other thread, and for the moment this particular aspect of it needs to treated as your priority, as **** are threatening court action.

 

Please have a read of this thread:

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html

 

You will need to get the letter at Post #2 off to the solicitors as soon as possible. Please send by either Recorded or Special Delivery so that you can use Royal Mail's track and trace service. This will provide you with proof of when the letter was received.

A couple of hundred years ago Meyer Amshel, (1743-1812), founder of the Rothschild dynasty is reported to have told his five sons, “Let me control a nation’s money and I care not who writes its laws”.

 

PLEASE NOTE - I am not a legal expert, what I have written is my own opinion garnered from reading this forum and consumer legislation, and my own experience of the judicial process.

 

If I have been helpful, please feel free to tickle my scales!!

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  • 1 month later...

Just an update on this continuing saga.

From the previous postings on this topic, re letter from Lloyds, then a reply to them, letter from SC & M and a reply back to them, see below:

 

?action=view&current=editedreplytoSCM.jpg

 

Another demanding letter appeared through the letterbox today from MHA Collections.

 

?action=view&current=editedletterMHACollections.jpgeditedletterMHACollections.jpg

 

Do these people ever give up? Or is it a tactic which mainly pays off for the people who do not know of this forum?

I am sure though that as more and more of the general public find out about this forum, it just creates a larger and larger headache for the OC's and DCA's.

 

editedreplytoSCM.jpg

This is the reply I am sending to them, which is what I sent to SC & M, obviously ammended with new address and date, etc.

 

?action=view&current=editedreplytoSCM.jpg

Edited by allets
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  • 3 weeks later...

Apologies if I have posted in the wrong section.

Should have posted these earlier, but I have been laid up in bed with a bad back.

Anyway here all the documents received from NatWest regarding my CCA.

 

 

HP101E.jpg

Note what is said at the top. “Received into this office on the 24th March 2009”.

Someone actually signed for it on the 21st March.

Is it my problem that it took 4 days from signing for, to reach the relevant destination of their establishment?

 

HP102E.jpg

 

HP103E.jpg

 

HP104E.jpg

 

HP105E.jpg

 

HP106E.jpg

 

HP109E.jpg

 

Regarding the last scan. When has a terms and conditions leaflet from 09/08 (arrowed) had any bearing on my original CCA?

 

I take it from these scans; the above does not represent my original CCA with NatWest.

What would be my next stage in dealings with NatWest? They also escaped with the skin of their teeth in providing these documents within the statutory 14 + 2 days, as I received them on Saturday 4th April.

 

I received one from Lloyds Tsb and Capital one, but will have to post them tomorrow night as photo bucket is not operating right at the moment.

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