lowell joined 3 debts [2 mobile, 1 credit card]made me BK, now want my house!!

[Desperate Daniella]

Yes, you should be able to get the form from the Court. x

[Desperate Daniella]

Thank you.

 

I'll have a look. xx

[Desperate Daniella]

They are the same but the first one is clear and the second isn't.

 

You are doing well. We just need the second page in the same format as the first one you posted up. xx

[Desperate Daniella]

The Mould,

 

You are an absolute saint (and I know you don't believe in religion!).

 

DD

[Desperate Daniella]

Hi wendyboats,

 

I'm so glad you are back with us.

 

You are never alone, and we're all on your side, but sometimes for various reasons we aren't online for a day or two.

 

And I personally just don't have the experience of fighting anything like this.

 

The Mould really is your hero.

 

Hang in there, and follow the instructions to the letter.

 

 

DDx

[Desperate Daniella]

wendyboats,

 

I do understand that some days are worse than others. We all feel like that. You, me, and The Mould.

 

I was in bits yesterday and howling. We all have low days.

 

Please remember that if we aren't here it does not mean we don't care.

 

I won't be around until the middle of next week but I'll be thinking of you and hope when I get back there has been some positive news for you.

 

DDxxxx

[Desperate Daniella]

Unclebulgaria,

 

I wonder if you could have a look at skyler's thread. I have been trying to help, but I will be going to the country in the next two hours and will have no internet access for the next five days.

 

I know she would appreciate your help.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?384657-Help-Needed-Please-over-eviction&p=4378838#post4378838

 

DD

[Desperate Daniella]

It's sounding pretty amazing in just those paragraphs.

[Desperate Daniella]

Hi wendyboats,

 

I think you have done amazingly well for yourself (with help from The Mould, of course).

 

I share your frustration with the Courts. I have been trying to issue a claim for over a week.

 

Wednesday: Car problems, so had to go to the garage instead of Court.

Thursday: Like you I went to the Court in the afternoon and didn't know that the counter service now closes at 2.00 p.m., instead of 4.00 p.m.

Friday: Went to Court in the morning only to be told they don't now handle money claims at all and I have to send everything to Salford.

 

Then I discovered I didn't have any cheques left so had to order a cheque book. (A postal order would have cost £12 - total rip off.)

 

I'm not quite certain what the Courts now do for the £95 they charge to issue a claim! They are certainly not providing the service they used to when a claim cost only £70!

 

I hope you managed to get it done this morning.

 

Love,

 

DDxx

[Desperate Daniella]

Well done, wendyboats!

 

I hope you get some good news soon.

 

Interesting that you've heard nothing from the Trustee or her Solicitors. Maybe they are watching your progress on this thread before spending any more money on your case!

[Desperate Daniella]

I expect everyone you spoke to will be signing up on CAG as we speak.

[Desperate Daniella]

Hi wendyboats,

 

After almost three months of frenetic activity on here I would think you could do with a breather!

 

DDxxx

[Desperate Daniella]

It's always good to read other threads. On CAG it's true that you learn something new every day.

[Desperate Daniella]

Hi wendyboats, and thank you for the update.

 

I'm sorry you are still waiting for news and hope it comes soon.

 

Love,

 

DDxx

[Desperate Daniella]

Hi Wendy,

 

When I first joined CAG I just couldn't understand why there were any funny threads. I was here for serious advice!!!!!! But then I noticed that someone from a thread I was on had posted so I had a look and within seconds I was laughing my head off. When you are feeling miserable they can really cheer you up so it's well worth looking in the Bear Garden for some light relief. :lol:

 

Love and a great big hug to you too.

 

DDxxxxx

[Desperate Daniella]

Here you are, Wendy,

 

The next time you have a few moments there are a few giggles here.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?182311-The-DCA-catchphrases-thread/page3

[Desperate Daniella]

Hi wendyboats,

 

Sorry you have not heard from the Court yet, but it's good to know that no-one is threatening and harassing you.

 

I do hope you hear something very soon.

 

It's nice to see you have joined some other threads too!

 

DDxxxxxx

[Desperate Daniella]

Well then I sincerely hope you get the gift of good manners this Christmas. It's not my argument to have though so I'll say nothing more about you insulting other people.

 

Sometimes when there is a "squabble" on CAG it is because there is history on other threads which followers of this one may or may not know about.

 

Wendyboats and I are your No 1 fans Mouldy and I hope you and your family have a very Happy Christmas.

 

DDxx

[Desperate Daniella]

Hi wendy,

 

I hope you have a lovely New Year's Eve, and that 2014 is a much better year for you.

 

Lots of love to you and Happy New Year to you, and everyone else on your thread.

 

DDxxxxx

[Desperate Daniella]

Hi wendyboats,

 

Happy New Year!

 

I hope you had a great time at Butlins!

 

I'm not certain what you've missed. Let's hope Mouldy is around soon!

 

Love,

 

DDxxx

[Desperate Daniella]

Hi wendyboats,

 

It does weigh a ton, doesn't it? When I had a court case a few years ago I found it was cheaper to drive everything over rather than post it, and that included parking fees too!

 

I am on another thread talking about the likelihood of DCAs taking action and I have posted a link to your thread as a cautionary tale to show what can actually happen if Lowell take you to Court. I've also said how amazing you have been at learning to deal with all this stuff in such a short time, with Mouldy's help of course.

 

From the days when you first posted you have done incredibly well. You have worked hard to get your head round all the legal stuff and it must have been spinning at times. You should be very proud of yourself.

 

Love,

 

DDxxxx

[Desperate Daniella]

Love back to you too.

 

And I meant every word. We are all happy to help where we can, but this is a self help site and it's obvious you have worked hard to learn from the advice you have been given. I sometimes see new posters coming here and they expect every chapter and verse to be quoted for them and it never seems to occur to them to even look at another thread to see what information they can find out for themselves.

 

I'm not talking about all problems, btw, because some situations are very tricky, especially benefits and bailiffs where people are in desperate situations, I'm talking specifically about credit cards (straightforward issues - not nightmares like yours!!!!) where once some advice has been given they really should be looking at some threads and doing some research for themselves, then coming back to the thread with their own thoughts and questions. Then we can give more help and are happy to do so.

 

I have learned everything from CAG and I'm willing to help anyone but it's absolutely wonderful to see someone like you who is really fighting too. That's why we are so proud of you.

 

DDxxxxxxxxxxxxxxxxxx

[Desperate Daniella]

Good morning, The Mould.

 

I am so very happy to see you here as I know you and your wife are unwell.

 

Wendyboats Watson will be very happy that you are back too. I hope she gets some good news soon.

 

My situation pales into insignificance compared to wendyboats' but thank you for your kind words.

 

Love,

 

DDxx

[Desperate Daniella]

Hi The Mould,

 

Thank you for your good wishes. I wish the very best possible for you and your family in 2014. I know things are very difficult for you and your family.

 

Have you had a firm diagnosis yet? I know you may not wish to say what this is on the open forum, but I remember last year that you were still having tests.

 

Despite everything you and your family are going through you continue to give so much hope and support to wendyboats, to me, and to many others on CAG. I know we are all rooting for you too.

 

Hugs,

 

DD

[Desperate Daniella]

Good morning, wendyboats,

 

I see you were burning the midnight oil and I hope you are getting enough sleep as I know you have to be up early for the school run.

 

I think it is a great idea - but only when it's over and you have won your case. They have behaved disgracefully throughout and it would be good to expose how they have treated you especially bearing in mind that the only way they could get you over the £750 bankruptcy threshold was to lump three debts into one claim. I'm sure DCAs do this all the time and I expect they get away with it more often than not as a lot of people will not know that they shouldn't be doing this. That knowledge alone would help a number of people I'm sure.

 

The fact that they can go from a dodgy claim to charging so much in costs that you could lose your house is absolutely chilling.

 

Anyway, who knows? You could become a celebrity after the programme and you'd have producers rushing to sign you up for "I'm a Celebrity...", "Strictly", "Come Dine With Me" or even "Splash!" if you look good in a swimsuit.

 

DDxxxxx