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    • considering it expires in Jan 2021 it looks like it has 2 insurances policies running on it at the same time, What a farce! each insurance company could blame one another this shouldn't be legal, but it looks like it is.
    • Just by way of an update, I am now being targeted on Twitter.   Today, two profiles have been set up and followed me, both were "here to call out Sue's sh*t".  Both have now been blocked.   I have clearly hit a raw nerve somehwhere 🤨
    • The OP could call Express to see if they will withdraw the claim if she restarts her claim and just pay the court issue fee.    Then everyone is a winner! 
    • Hi Stormy   I do wish you good luck but I'd urge you not to get over-optimistic about a letter from your GP having any bearing on the outcome of this.  I do not share London1971's view that such a letter will assist you in defending the claim against you - unless you are suggesting that the diagnosis is so bad that you aren't functioning - in which case you probably ought not to be working.  Is your GP going to say that you can't be held liable for a breach of contract, but that you're perfectly OK to continue working and to make significant decisions in other areas of your life?  I don't know.   Also, I'm uncertain where the question of bullying and harassment first surfaced in this thread.  You engaged them on a NWNF basis to pursue a claim for you.  Apparently they contacted (or attempted to contact) you a lot - certainly more than you felt necessary or were comfortable with, and you ended up deciding to discontinue the case.  But were they harassing you?  Again, I simply don't know because I wasn't there - only you were.  Most people complain that they don't have enough contact from their solicitors, not that they are being harassed by being contacted too often.  [EDIT:  I also think most people would associate "harassment" with behaviour that is in some way harmful or damaging to the recipient, and not with a situation where the alleged harasser is trying to act in the other person's interest and to their benefit].    And I'm not sure where the bullying comes from?  They're suing you because they think you are in breach of contract and that you owe them the costs and expenses they've already incurred - and that they cannot now recover from the other party because you decided to discontinue the case.  I'm no particular supporter of law firms but, unlike some people, I don't have "anti-lawyer" as a default setting.  If they've genuinely incurred costs acting on your behalf and in your interests, then I think they've got a more than fair case to recover those costs.  Threatening to sue you or actually suing you isn't necessarily bullying.   I honestly think your best chance of success is questioning the level and extent of costs and expenses they claim to have incurred and try to reach a mutually acceptable settlement.   As I've said before, I'm not intending to be critical of you in any way and I'm really sorry that all this (the original accident, hassle with the lawyers and now them suing you) seems to have contributed to all the stress you have to bear.  I'm really just interested in ensuring that you can see this problem from all points of view and that you don't place too much reliance on an approach that I think has only very limited chances of success.  (But of course - as London1971 has pointed out - there's no harm in getting a GP's letter anyway AND preparing a legal defence like BankFodder is suggesting AND preparing to think about settling.  They aren't all mutually exclusive and you should keep as many irons in the fire as you can.  Use belt and braces and don't just rely on one).   Anyway.  Good luck.  I'm frequently wrong and you may win outright!
    • I would go with the following....please feel free to amend or add.   WITNESS STATEMENT OF Baycloves.pdf  
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livingdeadguy

no response folowing hardship letter to asda card

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Over 2 months ago i sent a letter to asda credit card , finance by santander consumer credit / ge money, stating financial hardship.asking to reduce payments and freeze interest. Backed it up with a incomings and outgoings form and copy of bank statement to prove. I sent by recorded delivery which confirmed delivered.

I still have had no response.

Anyone got any ideas on what to write in a follow up letter?


IF YOU FEEL I HAVE HELPED YOU AT ALL PLEASE FEEL FREE TO TIP MY SCALES.

 

NATWEST PPI SUCCESS £490 25/08/09

 

NATWEST PPI 2nd CLAIM WON £1135 02/10/09

 

A & L PPI £395 WON

 

CREATION CLAIM PARTIAL REFUND £1825 01/04/10 NOW OFF TO FOS FOR THE REST

 

BARCLAYCARD STILL PENDING

 

LITTLEWOODS DCA . DEBT WIPED OUT AND CREDIT FILE UPDATED 23/09/09

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Have you sent them a CCA request yet to see whether the agreement is enforceable? http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter


Anthrax alert at debt collectors caused by box of doughnuts

 

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not yet as i think we've only had the card for 18 months. I just took it that it had to be before april 2007?


IF YOU FEEL I HAVE HELPED YOU AT ALL PLEASE FEEL FREE TO TIP MY SCALES.

 

NATWEST PPI SUCCESS £490 25/08/09

 

NATWEST PPI 2nd CLAIM WON £1135 02/10/09

 

A & L PPI £395 WON

 

CREATION CLAIM PARTIAL REFUND £1825 01/04/10 NOW OFF TO FOS FOR THE REST

 

BARCLAYCARD STILL PENDING

 

LITTLEWOODS DCA . DEBT WIPED OUT AND CREDIT FILE UPDATED 23/09/09

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Hi,

 

Sorry you've not had a response from our Credit Card Team.

 

I can arrange for someone to contact you to discuss this further, or you contact us on 0871 522 5888, and we'll be happy to help.

 

Thanks

Steven

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Any late payments/missed payment charges to reclaim on that? That usually would help reducing the balance a fair bit. ;-)

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I would also advise that all communication is done in writing unless you have a telephone recorder such as Truecall ;)

 

It's very strange how the details of calls get lost or misconstrued. :rolleyes:

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Hi,

 

Sorry you've not had a response from our Credit Card Team.

 

I can arrange for someone to contact you to discuss this further, or you contact us on 0871 522 5888, and we'll be happy to help.

 

Thanks

Steven

 

This is very welcome that a company is taking a positive interest in the discussions in these pages - whether this is a company or merely a personal initiative.

 

Thank you.

 

However, we do not think that 0870/0871 numbers are helpful - especially for people already in difficulty.

 

Try using 020 8181 0000 instead which should get you to the same Asda department.

SAYNOTO0870.COM - Non-Geographical Alternative Telephone Numbers


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Hi

 

Just to let you know, I look after all internet monitoring for Asda.

 

I make sure we resolve as many customer issues as proactively and positively as possible.

 

I'm happy to look into any issues anybody who posts on this board may have.

 

Thanks

Steven

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