Some advice please Citi Credit - F&F?

[dx100uk]

they'd have to get a statutory Demand first

[whatamess]

they'd have to get a statutory Demand first

 

Thanks dx. So shall I ignore or write to them to say the account is in dispute?

[dx100uk]

yet again you started a new thread on that citi debt.

 

IGNORE EVERYONE

 

unless you get a claimform.

 

have you checked your credit file of recent?

 

dx

[whatamess]

yet again you started a new thread on that citi debt.

 

IGNORE EVERYONE

 

unless you get a claimform.

 

have you checked your credit file of recent?

 

dx

 

Oops sorry dx.

 

I haven't check my credit file because they now charge £9.99 a month to have access to it. Do you know of a cheaper way to do this?

 

Would the claim form be for them filing for bankruptcy?

[dx100uk]

noddle is free. see below

 

BK is via a statutory demand, not a CCJ claimform.

 

was this cabot & wright hassle

[whatamess]

noddle is free. see below

 

BK is via a statutory demand, not a CCJ claimform.

 

was this cabot & wright hassle

 

The letter is from Wright Hassle.

[dx100uk]

yea thought so

 

crapbot and hassle are throwing these out like confetti

 

pers i'd be ignoring them.

 

dx

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?420532-Bankruptcy-Order-from-DCA-old-cat-debt&p=4499308#post4499308

[whatamess]

Hi

 

I have checked the credit file with Noodle

 

(thanks for that dx) and

 

yes its showing on his credit file,

but under Cabot.

Defaulted Aug 2009.

 

Will this drop off the credit file after 6 years or remain while they say money is still owing?

 

Also saw a search on the file from Hitatchi Financial and

says its for an Administration Review,

anyone know who these people are andwhat is an administration review?

Anything to do with Citi card?

Thanks

[dx100uk]

so it will vanish aug 2015. totally .

 

hitachi finance are one of the stores/car financiers.

[whatamess]

so it will vanish aug 2015. totally .

 

hitachi finance are one of the stores/car financiers.

 

That's good news. Does that mean they will stop chasing?

[whatamess]

Ok I have read the other post on these letters and now getting worried about it. Although they have never produced a CCA for this account are we saying that I could fight the BK in the hope we win??? As there is no evidence yet that this company has not actually gone ahead with the threat could we be the first?

[whatamess]

Just noticed on the bottom of the letter it says:

 

Should we not hear from you within 14 days the Statutory Demand maybe issued without further notice.

 

So they are saying MAYBE if they were serious wouldn't they say WILL???

[dx100uk]

you're learning

 

dx

[silverfox1961]

I would assume that you own a property or else a SD would be totally useless. If one does appear you should be able (with help) to get it set aside.

[whatamess]

I would assume that you own a property or else a SD would be totally useless. If one does appear you should be able (with help) to get it set aside.

 

Yes we do own a property. Do you think I should write to them to let them know that I'm still waiting for the CCA or not bother? I could really do without the stress of waiting to see if a SD lands on my doorstep.

[silverfox1961]

I would as it could stop them in their tracks. Nothing is guaranteed of course.

[dx100uk]

as this has been going on since 2009

I'd p'haps not be entering an obvious letter tennis session this close to SB etc

 

dx

[whatamess]

as this has been going on since 2009

I'd p'haps not be entering an obvious letter tennis session this close to SB etc

 

dx

 

Because it might do damage or because there is just no point in wasting my time?

[dx100uk]

the idea of all of their letters is to make you respond.

[whatamess]

the idea of all of their letters is to make you respond.

 

Point taken. Thanks dx.

[whatamess]

I have an update.

 

Sorry DX I did respond to their letter as i was really trying to avoid getting the SD.

 

And I wanted to remind them that we didn't recognise the debt

and there was no signed agreement to prove it was my husbands debt.

 

I asked them to go back to their client and ask for it.

 

They sent me a bog standard copy with no signature or date,

so I sent a letter back to say this and told them to bog off in not so many words.

 

Got a letter back today saying

"the agreement provided to me is a reconstituted agreement.

There is no requirement to supply a copy of the signed agreement.

 

We will seek to rely on this for any future insolvency proceedings.

 

We therefor look forward to receiving your offer of payment shortly.

 

Do you think they will just go ahead with the SD now

even though they know there is no signed agreement?

Surely they know this will not stand up in court?

 

Thanks

[dx100uk]

well you keep pulling their tail

 

they'll keep sending threat-o-grams.

 

if anyone were actually going to do anything bar

try and spoof you with one last letter

 

they'd have done it by now

 

unless you actually get a SD or a claimform drop on your mat

 

i'd not be entering into any letter tennis

 

the only one keeping this 'hope' for them going

 

is you by continually replying to them.

 

your call

 

dx

[whatamess]

I know your right dx. Ok no more letters ignore ignore ignore

[whatamess]

Today I have received a "statement of your account" from Cabot. I have never had one of these in the 5 years the account has been in dispute.. With it is a notice of arrears letter tells me how much is owed and when the account was opened. They have also included a payment slip. Does this mean the account has been past back to Cabot? Do I ignore this as well? They are not giving up.. amazes me that they don't make any contact for over a year and now I get one of these from them.

 

Also isn't this something that is sent before it goes to DCA's and Solicitors? Seems to have gone backwards. ????