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just got home and I have a letter from Mr McKirdy waiting for me. Itstates thats he has reopened my complaint and will reply to me within the next 4 weeks.

Is this the normal sod off letter after LBA plz anyone and should I proceed with my MCOL when I've done me spreadsheets.

Also do I have to follow a certain timescale as my time is very limited ie. only home at weekends! Any help muchly appreciated.

Ta

 

stycks

I smile because I have no idea what is going on.:)

lba's sent 27 dec 2006

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just got home and I have a letter from Mr McKirdy waiting for me. Itstates thats he has reopened my complaint and will reply to me within the next 4 weeks.

Is this the normal sod off letter after LBA plz anyone and should I proceed with my MCOL when I've done me spreadsheets.

Also do I have to follow a certain timescale as my time is very limited ie. only home at weekends! Any help muchly appreciated.

Ta

 

stycks

 

Yes it is the usual time wasting delaying letter.Go to MCOL now

;) If this helps please click the scales bottom left
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Hiya Stycks,

 

If you need any help with the spreadsheets let me know , you can always call round at ours again.Or if you want email me your schedule and I will see what I can do for you.I know its hard to find the time when you`re away all week.

 

Jules

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:eek: just got home (again) a check waiting for me but not for the full amounty!!!!!!!!!!!!!!!!!!!!

But it doesnt say what account it relates to

I smile because I have no idea what is going on.:)

lba's sent 27 dec 2006

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Sent a letter to YB asking for clarification on whether they have merged my claims or the cheque is for one claim only. I am now waiting for a reply ho hum

I smile because I have no idea what is going on.:)

lba's sent 27 dec 2006

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If it isn't for the full amount of your claim then send it back with a rejection letter. Rip the cheque up or they may waste your time and send it back again. The timetable is yours, so stick to it if at all possible so they know that you mean business.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi Caro. I've got 2 accounts so therefore 2 claims so I was waiting for a reply to see if the cheque was for one of the accounts, or whether they had merged my claims without notifying me.

I smile because I have no idea what is going on.:)

lba's sent 27 dec 2006

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Fair enough. Keep us posted.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Just got home, letter from cldesdale waiting witha brakdown of how they have split my cheque between my 2 accounts.

So, letter of rejection to be sent, but cant do mcol yet as I am skint!

Should I do my rejection letter at the same time as I do my mcol please?

Ta

Stycks

I smile because I have no idea what is going on.:)

lba's sent 27 dec 2006

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Might as well reject it now and do mcol as soon as you can afford it. I don't know your circumstances, but if you are on certain benefits you can claim exemption from the court fees, but you would need to file an N1 form in court instead of MCOL. Comes to the same thing in the end.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Ermmmmmmm just had a look at the Rejection Letter templates and I cannot seem to find one that fits my scenario (thats a good word innit lmao) as I do not know when I will be able to do my MCOL.

Any suggestions would be greatly appreciated.

ta

stycks

I smile because I have no idea what is going on.:)

lba's sent 27 dec 2006

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Tks caro just got an expensive wife at the moment lol.

Sounds like you're not planning on keeping her. lol

 

All you need is to write and say that you are not willing to accept less than the full amount of your claim, so you will be taking out a court claim if they are not prepared to offer this.

 

It's your timetable so do it as soon as you can. You've given them the warnings.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...

hmmm got a message i havent posted for several weeks. This could be due to the fact that I am away every other weekend working and I work away all week.

If the wife would leave the cheque book alone I might have the money for me mcol grrrrrrrrrrr.

ttfn

I smile because I have no idea what is going on.:)

lba's sent 27 dec 2006

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  • 3 months later...

i know that this is in the wrong thread but i dont get on here much.

could anyone tell me what the time limit is for a dca to supply the original credit agreement afetr the initial request and £1 has been sent to them

 

tks

I smile because I have no idea what is going on.:)

lba's sent 27 dec 2006

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ps to the above. I would have gone into the chat room but i've only just found out its been closed :-(

I smile because I have no idea what is going on.:)

lba's sent 27 dec 2006

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