Carousel Of Doom

[Mr Worried]

Hi All

 

WOW, IT's good to be back here and seeing all the cagers still at it doing their best for each other.

 

I have not posted her for about 7/8 weeks as I decieded I needed a break from my situation and assisting others, as things ( the fight ) got a bit to much for me and Mrs W, and I was finding things a litte overwhelming so I unplugged the computer and concentrated on my new job, Now 7/8 weeks down the line things are a lot clearer and with the advice of ell ( pm,d ) I have just staved off eviction 24 hrs before bailiffs were due, I have had lots of c**p from HFO too ( I'll post up ) and Rossies came knocking but I was able to deal with them.

 

During my time away I became a little more relaxed , yet missed this forum as I had become reliant upon it, now I have returned, and refreshed I feel ready for ( the fight ) to continue, and after a whole clear out of paperwork and a tidy up I await the next letter.

 

Thankyou all for helping me since I crawled from behind the couch in Nov 08, it has been a struggle but me and my family are better for it.

 

Here's to the forum, 'cagers old and new' and some exiting times ahead.

 

I'm of to catch up around the threads and hope to offer some input very soon.

 

Thanks a bunch:-)

 

Mr W and the not so Worried family

[Halibutt]

Welcome back Mr. Not So Worried

 

H x

[maroondevo52]

Good stuff Mr Worried, nice to see you back

[DonkeyB]

Welcome back.

[alfwithhair]

Good to hear things are on the up for you and nice to see you back

[harrassed senior]

So glad to hear you are back in the saddle so to speak, you have been missed.

[coledog]

Welcome back, marra - thought that you had been quiet. Have you read the HFO license stuff yet?

 

look forward to your updates

[Revenant]

Welcome back Mr W

 

Great news on the improved situation . . good luck with the new job

 

R

[Mr Worried]

Hi To All

 

Thanks very much for the warm welcome, and kind words.

 

speak soon

 

Mr W

[Mr Worried]

How does this dca still exist? sent me a letter today re an alleged debt, saying..To avoid wescot taking further action YOU MUST, blah blah.

 

They still have not produced the cca I requested over 2 yr ago, why oh why.

 

PLEASE CONTACT US ASAP OR ELSE FURTHER RECOVERY ACTION WILL TAKE PLACE.

 

Please cagers bring me up to date with these people, as I have been missing for a while.

 

Mr W

Edited September 9, 2011 by Mr Worried
sp

[huggy41]

Mr worried you are a well seasoned cager but due to your absence and we forgive you for making a simple mistake Westclot only ever employ monkies not people.

if you sent the letter to them putting the account in dispute for not sending you your cca as requested. and still have a copy then ignor them.

[Mr Worried]

Hi 41

 

Thought as much, but you know how quick things change,

 

Cheers

 

Mr W

[rebel11]

Hi mr

 

This sums up what they can do and can't do:-

 

http://www.oft.gov.uk/about-the-oft/legal-powers/legal/cca/unenforceable-credit-agreements

[Debtbutt]

They sent me a forged copy of CCA without any signatue after 5 month and demanding payment.

[Bazooka Boo]

You "MUST" contact us within 7 days blah blah blah........Must is synonymous with 'may' so ignore their puerile letters.

[huggy41]

i love ringing them up when i get letters like that.

i ring them they ask security question,

i say i'm not giving you anything they say they cannot continue,

i say all i got was a letter from yourselves asking me to make contact you,

which the recording of this phone call will prove

it does not say i have to have a conversation.

[Bazooka Boo]

Yes I'll often do that if I'm feeling particularly mischievous, giving them no personal details, just a reference number and informing them that as I have made contact with them, there is no need for them to take further action, partly because I have rang them within their own self appointed time limits, and mainly because there is absolutely nothing they can ever do anyway!

 

If you get an unusually temperamental phone drone, they tend to see red and spout out all sorts of nonsense and childish language.... just laugh at them then hang up.

[huggy41]

just laugh at them then hang up.

 

or play the D.I.L.L.I.G.A.F song to them

[Bazooka Boo]

Now that is a new string to be added to my bow Cheers Huggy...

[Mr Worried]

Hi All

 

WOW, at the moment things seem to be nose diving in the wrong direction, along with my other woe's I recieve a letter today from Morgans ( Rugby ) advising me of an interim CO, re Mrs W ccj?????

 

In a nut shell a few month ago I moved from the home, Mrs never spoke to me blah blah, I return and this falls in my lap.

 

It is for her cc from ? ( will wait till she returns from work ) I remember sending a cca request a while ago and heard nothing , dca after dca, and still nothing, now this.

 

What do you guys need to know so I can sort this for her?

 

Mr getting a bit P'd off

[dx100uk]

sound like a std threat-o-gram

is this linked to a previous thread you have for the history please.

 

dx

[Mr Worried]

sound like a std threat-o-gram

is this linked to a previous thread you have for the history please.

 

dx

 

Hi dx

 

Yknow what? I dont bloody know, head in a spin I am not near my files at the mo so will have to look later, and speak with Mrs W when she's home, although that wont be till after 8pm tonight.

 

Cheers for the quick response.

 

Mr

[Mr Worried]

Hi All

 

Just as the heading says, Today I have been contacted by 2 claims companys? In a nutshell they told me that They will tell me if I can make a claim or not as they can get the info??? How can they do/get this info? do they sar on our behalf thus creating lots of expense?

 

Just Wondered, Thats all.

[BankFodder]

Steer clear.

 

We have never heard anything good about any claims company

[maroondevo52]

Claiming what, PPI and charges, if so yes they will get you to sign a SAR or get you to send one.