Some advice please Citi Credit - F&F?

[dx100uk]

no why should it?, you are denying the debt in the very 1st line!

 

 

dx

[lexis200]

That's what I was hoping!

 

Thanks x

[the_shadow]

Sorry to jump in on this, but if you write to a creditor with the usual 'I do not acknowledge any debt to you or any company you claim to represent' header, does that count as a contact to them with regards to statute barring?

 

Thanks

 

Lexis

 

Is this in regards a f&f offer?

 

S.

[lexis200]

Hi Shadow

 

No, it's my husband's BOS accounts that we disputed and stopped paying in '08. I have had to write after a couple of legal threats and similar, but have always headed it with the 'I do not acknowledge' line.

 

I know they have no where to go with an agreement so I'm hopefully just waiting them out.

[the_shadow]

Hi Shadow

 

No, it's my husband's BOS accounts that we disputed and stopped paying in '08. I have had to write after a couple of legal threats and similar, but have always headed it with the 'I do not acknowledge' line.

 

I know they have no where to go with an agreement so I'm hopefully just waiting them out.

 

Ok, in that case yes heading any letters with the I do not acknowledge tagline will NOT count as an acknowledgement of any kind. Any F&F offers however could restart the stat barred clock despite putting "without prejudice or adding the aforementioned tagline" hence the need for clarification.

 

S.

[whatamess]

Hi again

 

I got a letter today from Morgan Solicitors. Heard of them??? They said if they dont hear with in 1 month legal proceddings will be issued against me. I really dont want to go to court.

[dx100uk]

and...tough!

 

they are not real solicitors anyhow

 

just the next bloke at the next desk in a diff skirt

 

dx

[whatamess]

Really? So i should just sit back and ignore it?

[dx100uk]

yep

 

dx

[the_shadow]

Does it state "MAY" or does it say they "WILL" take you to court.

 

If the letter states WILL then it does constitute a letter before action even if they do not then take that action. DX has read far more threads than me so will know more of how Morgans operate but it is a fact they do take people to court and sometimes even without the proper paperwork when they'll attempt to win by default.

 

S.

[dx100uk]

7 threads merged on the same debt

 

dating back to 2009

 

as this has been going on for +3yrs

and its been around the houses

 

and you've had multiple discount letters.

 

they'll go nowhere near a court

 

esp as no CCA too either!!

 

i'd get that SAR off and get reclaiming what they are offering as the discount.

 

YOUR PENALTY charges

 

dx

[whatamess]

Thanks dx100uk. If i send them a SAR wouldnt that mean i am acknowledging the debt? Im not too bothered about claiming back charges im nore concern that this does not get to court. I have been there and done that and its fare to stressful.

 

the_Shadow - The letter said they Will proceed with legal action if they dont hear from me within the month.

 

Thanks

[dx100uk]

can you scan that letter up please:

 

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

or

convert existing PC files to PDF [office has an installable print to PDF option]

.

'

BUT......

ENSURE: remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

dx

[whatamess]

I tried doing this before with no luck at all. Let me know exactly what it is you need and i will copy type the letter.

 

Thanks

[dx100uk]

need to see the layout to etc etc

 

can you not take a photo with a phone or camera?

 

though you still will need to blank pers info .

 

dx

[whatamess]

I have taken a photo and saved it onto my laptop, but i am unable to attach it. Can i send it to someone? or is that not a good idea?

[dx100uk]

have you sanitised it?

 

dx

[whatamess]

do you mean did i get rid of all personal details? if so yes i did.

 

Thanks

[dx100uk]

good

 

2 steps left then.

 

convert it to PDF

 

attach it to your msg box here.

 

......................................

 

 

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

dx

[whatamess]

Hi

 

Got a letter today from cabot.

 

So shows me nothing will happen with regards to court procedings that they threaten.

 

I have a question

 

- Cabot have now passed my account onto yet another DCA

and in what seems a general letter say they may place a charging order on my property

if i dont come to an agreement to pay the amount owed.

 

I know its say MAY, but can they ever do this?

 

Would they need to take it to court to be able to do this?

 

Thnaks

[the_shadow]

Indeed, they would have to take you to court, obtain judgement against you, you not pay, apply for interim charging order, take you to court for final hearing to make charging order complete.

 

S.

[dx100uk]

CCJ first!!

 

just a threat-o-gram

 

dx

[GeoffreyAlby]

Yes they would have to go to court and get a CCJ against you before they could do that.

[whatamess]

:wink:Ok thanks for confirming.

[whatamess]

Hi

 

I have not posted about this citi card debt since Aug 2012 as I have not heard from them since then. T

 

he last letter I had was from another dca and again I went back to say I do not recognise the debt

(back in 2008 I requested a CCA and got nothing from them and have been past to various dca's up until 2012)

 

Today I have received a letter from a solicitors threatening bankruptcy if they don't hear from me in 14 days.

 

They say they will serve me with a bankruptcy petition to obtain a bankruptcy order against me.

 

Can they do this?

 

Even though citi card has failed to produce me with any signed paperwork?

 

What shall I do?

 

Should I write to them telling them again I do not recognise the debt and has been in dispute with citi since 2008?

 

Your help is appreciated as normal.