Jump to content


Sainsburys Bank loan - want to come to my house!


Please note that this topic has not had any new posts for the last 3618 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I have lost my job and having trouble with my bills - thank god I found this site.

 

I have a loan with Sainsbury that I signed for in December 2007 at my house as they have a rep visit you with a cheque. The balance is for just under ten thousand.

 

I sent a letter asking to suspend payments and interest for six months and at the same time sent a cca letter. As soon as this happened and before payment was due, I started to get a lot of phone calls - I always refuse security checks and say to write to me. I have now received a letter to say that they will be visting my house.

 

Should i send a follow up to both of my other, tommorow is my 12+2 day and some lenders (bank credit card) have agreed to suspend payments for 120 days.

 

any help appreciated.

Link to post
Share on other sites

Hi all this is a copy of a copy etc for dont come to my door.

 

Dear Sirs,

 

Please be advised that I am only prepared to communicate with you in writing. OFT rules and regulations clearly state that you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).

 

Therefore take note that I revoke license under Common Law for you, or your representatives, to visit me at my property and if you persist in sending “doorstep callers” to my home, you will be reported for harassment and be liable for damages for a tort of trespass. You would also be liable for conspiring in a tort of trespass by acting in defiance of my instructions and sending someone to visit me nevertheless.

 

Should it be necessary, I will obtain an injunction.

 

Yours sincerely,

 

 

all the best dpick

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

Link to post
Share on other sites

I have a debt with Sanisburys bank for almost 15,000 and have not been able to make a payment for two months. I wrote to them to explain the situation and ask for six months breathing space using the template letters. I also paid £1 andused the template CCA letter.

 

They have acknowledged my six month request - advising me to call them to discuss. In the same post I have also received what looks to be a valid default notice.

 

Im not sure that I should do, all the advise on here says not to telephone but they have draw their line in the sand so to speak and Im not sure how to respond?

Link to post
Share on other sites

I would say that if you do ring them, try to record the conversation.

If you don't want to ring them or can't record the conversation, just write back and state that you would prefer o deal with this matter in writing.

 

I'm a bit confused though. You have asked for "breathing space" AND asked for your agreement. May I ask for what purpose?

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

quite simply and honestly I have lost my job and cannot afford to pay right now and have asked for breathing space from all creditors, some have been ok, most have ignored this request. I was hoping that being upfront would make my credit history better and there are poeple on here that seem to know how to deal with such problems.

 

I asked for cca at the same time as i had read on here that you should know where you stand but as this is a pre 2007 agreement, I dont hold out much hope. I dont see what the conversation is, I have only jsa to live on and until I manage to find a job will be unable to pay.

Link to post
Share on other sites

The reason I asked about asking for your agreement was that some people try to use this as a tool to avoid paying a debt-something that is NOT advocated here but from your response I understand your situation.

 

Have you seen our template letters?

 

http://www.consumeractiongroup.co.uk/forum/content.php?68-debt-collection-library

 

The letter template and budget planner is very good,

 

As you are on JSA, this amount is the MINIMUM the Government say you can live on. Non priority debts must take a back seat and you are dealing with this the best way by being upfront about it.

 

Have a look at this:

http://www.lendingstandardsboard.org.uk/docs/lendingcode.pdf

 

Creditors should be sympathetic to your situation although it is true that some don't

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

To be honest my debts from being a student have never gone away and had I known about this site 5 years ago im sure that I could have kept interest much lower and be in a different position now. Although I dont agree with avoiding debts, Id take any magic stick right now but in the real world Im just trying to do the most sensible thing I can.

 

 

Thanks, I will have a good look at the lending code. If nayone else has anyadvice or which template letters may help then id appreciate this.

 

Im thinking that the Failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale letter would help as surely they should not be defaulting me when the account is in dispute or should I accept that there is little I can do about this default on my records for 6 years?

Link to post
Share on other sites

Unortunately, since a test case last year, creditors are now allowed to default you.(even when the account is in dispute) The debt still exists and so long as what they report is accurate then there is not much you can do about it

I happen to think this is better done now than 6 months down the line.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...