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Re: Solicitors Letter Help!
Hiya You!
I'm back again!
You need to get the letter from last week sent off. Emphasise you are disputing the account and that therefore the account is now officially in dispute. The rest of the letter can I think stay as it is except that you could, just re-reading your thread add a final paragraph stating along the lines of:
Finally please may I officially inform you that I suffer from a serious mental health condition and would thus request that you pay particular attention to the MALG guidelines for dealing with vulnerable people like myself.
Given that the letter gives them 7 days to respond, you cannot really send today's letter as it is assuming they've already had the previous one for a while.
Does that make sense?
So send the one from last week with added bits, give them seven days, then carry out your threats.
We are slightly backfooted by their correspondence in between times, but they don't usually (obviously cannot guarantee) go straight to court. They usually make lots of threats and huff and puff first, so hopefully time is still on our side.
Try to get the letter off tomorrow and we'll respond as things occur. Remember there's no point in worrying about things over which you have no control. The very worst case scenario in all of this, and it's worth pointing out, is that they win a court case and get a CCJ against you. The judge would then look at your Income / Expenditure sheet (have you done one yet?) and decide on an affordable repayment plan. Note the word AFFORDABLE. That is the absolute worst case scenario, and in my opinion we're miles from that at the moment, so don't worry, even the worst case scenario is not something you should be worried about as the judges will be sympathetic as long as you can prove you have tried your best to resolve the situation.
Hope this helps,
Take care,
As always remember you can phone if you want any time. I'll ring you straight back!
David
xx
Hiya You!
I'm back again!
You need to get the letter from last week sent off. Emphasise you are disputing the account and that therefore the account is now officially in dispute. The rest of the letter can I think stay as it is except that you could, just re-reading your thread add a final paragraph stating along the lines of:
Finally please may I officially inform you that I suffer from a serious mental health condition and would thus request that you pay particular attention to the MALG guidelines for dealing with vulnerable people like myself.
Given that the letter gives them 7 days to respond, you cannot really send today's letter as it is assuming they've already had the previous one for a while.
Does that make sense?
So send the one from last week with added bits, give them seven days, then carry out your threats.
We are slightly backfooted by their correspondence in between times, but they don't usually (obviously cannot guarantee) go straight to court. They usually make lots of threats and huff and puff first, so hopefully time is still on our side.
Try to get the letter off tomorrow and we'll respond as things occur. Remember there's no point in worrying about things over which you have no control. The very worst case scenario in all of this, and it's worth pointing out, is that they win a court case and get a CCJ against you. The judge would then look at your Income / Expenditure sheet (have you done one yet?) and decide on an affordable repayment plan. Note the word AFFORDABLE. That is the absolute worst case scenario, and in my opinion we're miles from that at the moment, so don't worry, even the worst case scenario is not something you should be worried about as the judges will be sympathetic as long as you can prove you have tried your best to resolve the situation.
Hope this helps,
Take care,
As always remember you can phone if you want any time. I'll ring you straight back!
David
xx
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