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    • Ok thanks guys for all the help & advice I think I will go the DRO option but will open a new bank account somewhere else first etc.  The only other things im little worried about is reading on the DRO it says about I wont be able to apply for credit but what about things like my car insurance as thats classed as credit paying it monthly Plus they say i must not have assets or car worth over £1,000 so what about things like my car worth around 2.5k and as said before when my father passed away he left me his camper that I cant part with its worth about 4k and what about things in house and jewellery etc ?? Can they come to house and check and so on
    • threads merged  please keep to one thread per issue.   dx  
    • read it proprly.. it doesn't say WILL anything and original creditors don't do court as they don't want the judge delving into their business model nor the bad publicity.   as for the FOS you just have to let it run. yours is a very short time since yo put it into them typically it always takes 6-9mts normally before they move on anything though they usually send you an ACK they have the complaint.        
    • Since the last post on this thread I have sent a complaint to the FOS but have not heard anything from them as yet either, I'm guessing they're rather snowed under and on reduced staff so no real surprise.   Still had nothing approaching help from lending stream but today they emailed me default notices for the loans, again demanding I phone them and pay up in full or they will begin court proceedings.   Any advice as to how I should proceed please?
    • Hi,   I received two PCNs in October 2019 from Havering Council. All the below applies to both PCNs, as the correspondences were at the same time:   Fast forward to February 2020, I file witness statements on grounds that I made representations within 28 days but did not receive a rejection notice.   The TEC cancelled charges.   Havering write to me asking for supporting evidence of representations that I made.   I email them screenshots with timestamps of the representations.   In early March Havering reply to me by email 'confirming receipt of email and both cases are now on hold pending an investigation. Please allow time for a full response to be sent.'   Fast forward to 18th June Havering write to me the attached:  Havering Charge Certificate.pdf   Now, it seems as though the sender of this letter is not up to date with both cases and is unaware of the TEC's decisions, as well as the email correspondence.   My questions are, 1) What should I do next? and 2) Is there a way to use their misstep to avoid paying for the PCN entirely?   Thank you.
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Conniff

A little light relief for all with a problem.

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I thought you all might like to read this and maybe get an idea or two from it:

(An open blog so names are of no consequence).

 

Date: Wednesday 8 Oct 2008 12.19pm

To: David Thorne

Subject: Overdue account

 

Dear David,

Our records indicate that your account is overdue by the amount of $233.95. If you have already made this payment please contact us within the next 7 days to confirm payment has been applied to your account and is no longer outstanding.

clear.gif

Yours sincerely, Jane Gilles

 

 

 

From: David Thorne

Date: Wednesday 8 Oct 2008 12.37pm

To: Jane Gilles

Subject: Re: Overdue account

 

Dear Jane,

I do not have any money so am sending you this drawing I did of a spider instead.

I value the drawing at $233.95 so trust that this settles the matter.

clear.gif

Regards, David.

 

spiderdrawing.gif

 

 

 

From: Jane Gilles

Date: Thursday 9 Oct 2008 10.07am

To: David Thorne

Subject: Overdue account

 

Dear David,

Thankyou for contacting us. Unfortunately we are unable to accept drawings as payment and your account remains in arrears of $233.95. Please contact us within the next 7 days to confirm payment has been applied to your account and is no longer outstanding.

clear.gif

Yours sincerely, Jane Gilles

 

 

 

From: David Thorne

Date: Thursday 9 Oct 2008 10.32am

To: Jane Gilles

Subject: Re: Overdue account

 

Dear Jane,

Can I have my drawing of a spider back then please.

clear.gif

Regards, David.

 

 

 

From: Jane Gilles

Date: Thursday 9 Oct 2008 11.42am

To: David Thorne

Subject: Re: Re: Overdue account

 

Dear David,

You emailed the drawing to me. Do you want me to email it back to you?

clear.gif

Yours sincerely, Jane Gilles

 

 

 

From: David Thorne

Date: Thursday 9 Oct 2008 11.56am

To: Jane Gilles

Subject: Re: Re: Re: Overdue account

 

Dear Jane,

clear.gif

Yes please.

clear.gif

Regards, David.

 

 

 

From: Jane Gilles

Date: Thursday 9 Oct 2008 12.14pm

To: David Thorne

Subject: Re: Re: Re: Re: Overdue account

 

Attached

 

spiderdrawing.gif

 

 

 

From: David Thorne

Date: Friday 10 Oct 2008 09.22am

To: Jane Gilles

Subject: Whose spider is that?

 

Dear Jane,

Are you sure this drawing of a spider is the one I sent you? This spider only has seven legs and I do not feel I would have made such an elementary mistake when I drew it.

clear.gif

Regards, David.

 

 

 

From: Jane Gilles

Date: Friday 10 Oct 2008 11.03am

To: David Thorne

Subject: Re: Whose spider is that?

 

Dear David,

Yes it is the same drawing. I copied and pasted it from the email you sent me on the 8th.

David your account is still overdue by the amount of $233.95.

Please make this payment as soon as possible.

clear.gif

Yours sincerely, Jane Gilles

 

 

 

From: David Thorne

Date: Friday 10 Oct 2008 11.05am

To: Jane Gilles

Subject: Automated Out of Office Response

 

Thankyou for contacting me.

I am currently away on leave, traveling through time and will be returning last week.

 

Regards, David.

 

 

 

From: David Thorne

Date: Friday 10 Oct 2008 11.08am

To: Jane Gilles

Subject: Re: Re: Whose spider is that?

 

Hello, I am back and have read through your emails and accept that despite missing a leg, that drawing of a spider may indeed be the one I sent you. I realise with hindsight that it is possible you rejected the drawing of a spider due to this obvious limb ommission but did not point it out in an effort to avoid hurting my feelings. As such, I am sending you a revised drawing with the correct number of legs as full payment for any amount outstanding. I trust this will bring the matter to a conclusion.

 

Regards, David.

 

spiderdrawing2.gif

 

 

 

From: Jane Gilles

Date: Monday 13 Oct 2008 2.51pm

To: David Thorne

Subject: Re: Re: Re: Whose spider is that?

 

Dear David,

As I have stated, we do not accept drawings in lei of money for accounts outstanding.

We accept cheque, bank cheque, money order or cash. Please make a payment this week to avoid incurring any additional fees.

clear.gif

Yours sincerely, Jane Gilles

 

 

 

From: David Thorne

Date: Monday 13 Oct 2008 3.17pm

To: Jane Gilles

Subject: Re: Re: Re: Re: Whose spider is that?

 

I understand and will definitely make a payment this week if I remember. As you have not accepted my second drawing as payment, please return the drawing to me as soon as possible. It was silly of me to assume I could provide you with something of completely no value whatsoever, waste your time and then attach such a large amount to it.

 

Regards, David.

 

 

 

From: Jane Gilles

Date: Tuesday 14 Oct 2008 11.18am

To: David Thorne

Subject: Re: Re: Re: Re: Re: Whose spider is that?

 

Attached

 

spiderdrawing2.gif

 

I'll spend the money on drugs instead

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Who First

 

Lowells

 

Marlin

 

The Goings Tough For Them At The Moment

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send them a box full of tarantuals instead and tell them these are true copies of the spider they would have received.....

Edited by welshwizard

Welshwizard QC (Quite Content):rolleyes:

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Very funny! Thanks for posting it.


The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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DCAs like doughnuts covered in suger I beleive ;)

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Hilarious!!!!!! For us simple minds.. Makes the point a lot clearer!!!! LOL ha ha ha ha ha ha ha ha ha


Righteousness & Justice Will

One Day Rule

:p:p:p:p

[sIGPIC][/sIGPIC]

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I saw this some time ago, genius crossed my mind, Havent thought of using it yet LOL

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