Northern Rock - decree received 19-jan - help low income, have not listened to my offers

[Bazooka Boo]

Was this signed on their premises?

[Bazooka Boo]

Well I can't see any box with 'Your right to cancel'

So IMO I would say it is unenforceable, others will hopefully be able to confirm this.

[Bazooka Boo]

Which is a requirement if you signed this off premises.

[Bazooka Boo]

Just read the letter they sent and apart from the usual immature threats I had to laugh when I read the name the computer used to sign off the letter "J.Horner" Not THE Jack Horner who sits in a corner eating his Christmas pie....

 

I do hope you haven't ignored them and have called them? Otherwise they get very angry and the coloured crayons come out!!!!!!

 

Personally I would fill in their I&E form and fill it with zero's, OR, make up your own I&E form and ensure you list the following;

Personal Chauffeur wages £150 per day,

Cleaning staff x 8= £800 per day,

Private Jet hire £25,000 per hour,

Cheese & wine & caviare Parties x 4per month £18,000 ea.

Running costs of private helicopter with pilot, £85,000 per month.

Cost of stationary and postage to amuse debt collectors, £1 a week...

[Bazooka Boo]

It is very simple, they don't get to see your private I&E full stop.

Ask them which district judge has requested your I&E so that he can view it and advise them accordingly as to how much you can afford?

Or tell them to get down off their high horse, and that YOU will tell THEM how much YOU will pay THEM, if they don't like it to take you to court where you will gladly allow a DJ who is suitably qualified to view your private information, either way the muppets aren't getting anything, you have their bank details, just go ahead and set up the standing order paying them what YOU have decided you can afford. They won't be able to take any legal action.

[Bazooka Boo]

Rebate is how much you would get back if you pay this off earlier than expected.

Oh well, start the complaints process to the FOS, inform them that they have issued a DN in response to you not jumping through their hoops.

[Bazooka Boo]

No can't say I have heard of them previously, albeit another Scottish law firm.

I am very surprised that they are foolishly wanting to act on this debt, especially as you are paying what you can afford to it??

Beggars belief, IMO file it away, and as long as you maintain your affordable payments there is very little they can do, a DJ will NOT make you pay any more than what you can afford, you might like to lodge a complaint to these guys;

http://www.legalombudsman.org.uk/

[Bazooka Boo]

Why would you want to show willingness on your behalf, when you are paying them what you can comfortably and realistically afford? It does not matter if they foolishly take you to court, the DJ WILL NOT make you pay anymore than you can afford, ignore them, I would not reply to them and I would most certainly NOT tell them that you might be able to increase the payments. You have a life to lead, so invest the extra money in a social life or on yourself, this is NOT a priority, it is a poxy consumer debt, so what , we all have them, they are not on my list of priorities, if I have some spare cash then I spend it on me, and maintain my current payments to these vultures.

[Bazooka Boo]

I'm in financial difficulties and am paying what I can (albeit a token amount)? Any thoughts?

 

You have answered your own question Chat, you are paying them what you can, token payments or not, they will look extremely foolish, more so than they do already, if they were to put this in front of a DJ seeking more money!

When you will be able to show the DJ that you are already paying what you can realistically afford to, this IS NOT a priority debt therefore it takes the back seat when you have other more pressing obligations to pay, such as your rent/mortgage, council tax, court fines, utility bills etc.

You could write to them if you want and TELL them, that they should think themselves bloody lucky they're getting anything at all, and if they persist in moaning about it, you will reduce your payments even further, as one Judge ordered an elderly couple to make a payment of 50P a month!!

 

Their really is nothing they can do if you are paying what you can, ignore them, and just lodge complaints about them to all that you can think of who police these financial institutions, and DO NOT forget, WE (the public) OWN that bank, keep that in the back of your mind whenever your dealing with them..

[Bazooka Boo]

You might as well declare your self Bankrupt rather than be tied to an IVA, IVA's are a very very last resort, after you have had plastic surgery changed your name and moved to the costa del sol!

[Bazooka Boo]

Greed Chat, if they push for an IVA you may as well go BR, IVA's are no better and will drag on meaning you will end up paying more, so BR will be your trump card if NR (which is our bank) continue to play you for a fool. It won't come to that anyhow.

[Bazooka Boo]

Erm, yes, it seems you could be right in that have a read, but I seriously doubt it will come to that..

http://www.insolvencyhelpline.co.uk/bankruptcy/disadvantages-of-bankruptcy.php

[Bazooka Boo]

If you need desperate help, click on the black triangle below and ask one of the site team for some assistance, and they will try and get someone to look in and advise you.

[Bazooka Boo]

I'd be inclined to complain about NR and their time wasting throughout all of this! If you have made the same offer all along, which they have refused all along, then suddenly they take it to this stage and are suddenly accepting of it? Then there is clearly some abuse of process here? It would definitely merit questioning...