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seklof

Bryan Carter chasing old EGG credit Card Debt

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iv been keepong all correspondence from all of the collection agencies for the past year ,many are confusing, many are letter cycles

 

i have about 12 files going on with each agency and each debt

 

Good starting point then. So you can probably get a few threads going.

 

If you've been reading around you will have noticed the importance of Default and Termination Notices. Get them scanned and posted up as you may already have won on a few of these and don't realise it.

 

Do you have any docs by the way for this thread. Default Notice in particular.

 

M


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ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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And remember to use editing software to take all your personals out, acc numbers, bar codes etc.


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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ok so im looking for what sort of document m - relating to my other creditors?

from bc iv had the notice i first spoke of

ill be able to post this up in a few days

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Look for letters headed Default Notice (served under S87 of the Consumer Credit Act 1974) or words to that effect. These are very important.

 

Also, if you have had any subsequent letters confirming Termination. It's a starting point.

 

 

shall i only send cca s to comapnies that wish to take me to court as this will reduce cost m ?
Yes, don't start doing what you cannot afford. When able, then send CCA request.

 

should i go to see the cab

just to see what they say

Entirely your choice, the standard of info you're looking for is, IMO, better sought in these forums. CAB advice is not always as good.

 

M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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i believe that to be true

i have termination notices definately - what / why are theses important m

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Dependant on the content of the DN, followed by subsequent termination on the back of it, you could be in a position on some of these where

a) they cannot be enforced by a court, or

b) you may owe no more than the arrears part shown on the DN.

 

Get you bits posted up - those that know much more than me will comment

 

M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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ok cca sent so wait n see with it i suppose sent registered post filed away

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Good luck Seklof, the guys on here are great, If you aren't sure of something just ask, as I once` asked a stupid question, I was told no question is a stupid one!!

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cheers people

im looking @ 1 from scm solicitors - notice of court proceedings , this is wth lloyds so im gonna cca this lot see what occurs here

keep u all posted on progress with it

 

scm solicitors - lloyds boys

 

rsvp

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guys i have issues with shhosmith for my arrears on my mortgage i dont know where to post my questions

can -anyone help i really worry that -as soon -as my mortgage defaults -again im in trouble

 

th:cry:anks

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Click on the link below which will put you in the right forum.

 

Look on the top of the postings and you will see a tab that says "NEW THREAD". Click that and you'll post your own new thread.

 

M

 

Mortgages and Secured Loans - The Consumer Forums


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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m u r helping me out its much appreciated - im gonna post for carter here and then open up threads for other cases elsewhere - am i on the right track here

as my situation changes will i receive more aid

cheers

in hope its all i got left

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m u r helping me out its much appreciated - im gonna post for carter here and then open up threads for other cases elsewhere - am i on the right track here

as my situation changes will i receive more aid

cheers

in hope its all i got left

 

Don't panic ;). As time goes on you will find that others will post on your threads. And yep, keep the BC issues on this thread only.

 

If you're looking for an answer to a question and not getting a response then just type the word "bump" in a post and put it up. It will push you up the lists of new posts and i'm sure someone will stick their head in and have a look.

 

M

Edited by MandM
added

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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cheers m

 

i think about bancruptcy quite a lot thinking its the easiest option but feel i can fight if i put my mind to it

 

its gonna be a long road but as i have no job no work no life except this now i am gona give it a go

 

thanks for the suppport there m

 

i have other issues with for instance hsbc invoice fiancing and also my car is now in default

where should i put these threads?

 

thansk for the help - it will be passed on i guarantee that

 

thanks all

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Hi S

 

Not only do you get great advice on here you also find that as we have all been through it people listen without judging (Unless of course they're DCA troll's ;))

 

You have started to get control back of this part of your life and I'm fairly sure that as time passes and results form other things will not seem quite so bad

 

Keep plugging away and good luck

 

R


[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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cheers m

 

i think about bancruptcy quite a lot thinking its the easiest option but feel i can fight if i put my mind to it

 

its gonna be a long road but as i have no job no work no life except this now i am gona give it a go

 

thanks for the suppport there m

 

i have other issues with for instance hsbc invoice fiancing and also my car is now in default

where should i put these threads?

 

thansk for the help - it will be passed on i guarantee that

 

thanks all

 

Hi S,

 

Both subjects I know nothing about (thankfully) particularly invoice financing!! Sounds pretty specialist.

 

Try posting up a question in the General Forum by starting a new link and post your question as the title.>>> Something like A Question On Invoice Financing!!!! Then in your post ask for a link or some advice on where to post. When you get an answer i'll pop a link up for you if no one else does it. No probs. Same for the car/HP.

 

Link to General Forum>>>>>

General - The Consumer Forums

 

M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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ok so far so good iv loaded that thread and will wait to se what happens next

thanks m

 

spending a lot of time on here

but all good

really good

maybe ill get some sleep tonight

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Maybe :). I see that you have Ell-enn looking in on your mortgage probs. You'll find her extremely helpful and knowlegdeable so you're in very safe hands there.

 

Keeping your house MUST remain your priority - all of the rest of this is secondary.

 

M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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I Agree Totally

 

I Am Behind On Payments But This Could Be Addressed Im Sure

 

My Concern Is When My Deal Is Up Next Year Will They Offer Me A New Mortgage As I Have Got Behind On Payments

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I Agree Totally

 

I Am Behind On Payments But This Could Be Addressed Im Sure

 

My Concern Is When My Deal Is Up Next Year Will They Offer Me A New Mortgage As I Have Got Behind On Payments

 

Make sure you tell Ell-enn everything that may help. She does some fantastic work on here and has saved so many homes. The more info then the more she can help you!!!


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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subbing :)


If you find my advice helpful - please click on my scales

<<<<<< - they're over there!

Well, it's a funny black star now ...

The small print - any advice I give is freely given on the understanding that I am a layman and am not legally qualified in anyway.

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Something not mentioned yet seklof - was there PPI attached to this card? If you printed off any statements it will be at the bottom and will say 'Card Protection Payment' or something very similar.

 

M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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subbing :)

 

Excellent :D.

 

Knowing Mr Carter i'm sure this will get interesting. Glad you're in!

 

M


________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Something not mentioned yet seklof - was there PPI attached to this card? If you printed off any statements it will be at the bottom and will say 'Card Protection Payment' or something very similar.

 

M

is this issue to with carter or rent arears

 

sorry got a bit confused

 

what form will this be found upon

 

cheers m

beena abusy week for carter and shoosmiths and me

hi subber

what does this mean subbing?

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hi subber

what does this mean subbing?

 

You can subscribe to a thread (get notifications of updates) by just clicking the thread tools - but then no-one knows you're there.

 

As MandM knows I have 'working experience' with Mr Carter, so by writing subbing I was just letting you know I was hanging around :)

 

Good Luck


If you find my advice helpful - please click on my scales

<<<<<< - they're over there!

Well, it's a funny black star now ...

The small print - any advice I give is freely given on the understanding that I am a layman and am not legally qualified in anyway.

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