Ding-Ding Round 2 Enaids lad

[enaid]

Re: Ding-Ding Round 2 Enaids lad

Well my letters are here on my scren but not anyone elses lol i have to type the info out now.

Ok here goes

Formal notice of intention to file a default and to take action to recover debt
28 days I have to make a full payment or satisfactory arrangement.
Then a load of bumph about cards etc can not be used.

Then next page

Notice served under sections 76(1) and 98(1) of the CC act.

Total amount £790.58
Int will continue to be applied, they giving till 26 may to pay or again an alternative arrangement to pay.

If you are unsure what to do now get help, eg a solicitor or trading standards or cab.
Prefer beagles meself lol

[Paule]

Re: Ding-Ding Round 2 Enaids lad

It sounds like its a standard default notice.

It will be most likely a computer generated letter.

Basically if it was a loan and your contractural payments were £100 a month and you now pay them £10 (through CCCS plan) you are now no longer paying the contractural payment and therefore defaulting.

Send a copy of this to CCCS and send Natwest a letter staing that the matter is being dealt with on your behalf by CCCS ref XXXXX and that there is a payment scxhedule in place for this debt.

You will get loads of these as your CCCS payments start to come into effect properly, you will also get them again when the initial payment term is up as well.

Does your lad actually speak to CCCS at all.

I know you want to help him as much as you can, but why not get him to do a bit and call CCCS when he gets these letters and find out what they say. If you carry on doign it all for him, will he learn?

PKea

[enaid]

Re: Ding-Ding Round 2 Enaids lad

He has called them on a few occasions Pk and they all ways say its in hand and not to worry, easy for them to say.
Ame is doing me a letyter hopefully for the 2 and i didnt know Lombard was part of RBS but i do now

[Paule]

Re: Ding-Ding Round 2 Enaids lad

He has called them on a few occasions Pk and they all ways say its in hand and not to worry, easy for them to say.

Well tell him to ask what they are doing.
He is their client and has a right to know what they are doing on his behalf.
Get him to ask them what exactly there are going to do with this information etc, will they write to them etc.
Get him to ask them to explain the implications of the letter.

I know you are just in the middle of this Di, but hes a grown lad and should be asking them them these questions rtaher than letting you sort it for him.

You and CCCS arent the magic fairies that are doing this for him.

Next time he gets a letter, carry on as you do, we will help you, BUT dont tell him that, let him try and take some responsibilty, ask some questions etc.
If its serious obviously we will tell you and help you, but if its a standard thing, theres no harm in letting him sweat a bit and take some pressure for a change rather than letting you take it all.

You should be concentrating on your self and your move, not tidying up after your lad.

PKea

[enaid]

Re: Ding-Ding Round 2 Enaids lad

Thanks Pk and I know you are so right, but you wait till them kids of yours grow up you will see how hard it is.
I haven't spoken to the lad in days we are really and truly fell out. So apart from that and believe me I am really upset about it, I just want to get this out of the way.
Thanks again Enaid x

[Amethyst]

Re: Ding-Ding Round 2 Enaids lad

Dear Mrs Natalie West


Account Reference:


Thank you for your letter dated 21st February 2008, the contents of which are noted.


You attention is drawn to the fact that this account is currently managed for me by the Consumer Credit Counselling Service (CCCS) within a Debt Management Plan.


I have, through CCCS, made payments of £XXXX per calendar month to Natwest with regards this debt. My CCCS reference Number is XXXXXXXX. Please find attached a copy of my income and expenditure sheet for your reference.


Should this matter be escalated or passed to a Debt collection Agency please be aware that I am unable to afford to increase these payments at present, and should you decide to instigate court proceedings against me I believe a court will order instalments to continue at the same rate.


Please also be aware that this account is currently subject to a dispute regarding charges levied on it. These charges, as you will be aware, are currently subject to High court proceedings between the OFT and the Banks. You may also be aware that there has been a recent judgement that charges may be assessed for fairness under the Unfair Terms in Consumer Contract Regulations. I believe the charges taken from my account are unfair and as such have previously written to yourselves to request a refund. Please further find attached a schedule of these charges.

Under the Banking Code you are obliged not to pass my account to a Debt Collection Agency, nor instigate court proceedings until such time as the dispute is satisfactorily resolved. Should the account be passed to a Debt Collection Agency I will notify them of this situation and request the account be returned to you until the matter i concluded.


I am prepared to continue to make payments of £xxxx per month via CCCS up until such time as the account is settled.


I trust this out lines the situation


Regards




Nellys Son

[Amethyst]

Re: Ding-Ding Round 2 Enaids lad

Might be a bit long but its a start.

Now Lombard.

[enaid]

Re: Ding-Ding Round 2 Enaids lad

Thank you very much Ame, copied and pasted to office word, will dig out all the figures and fill it in.
Once again many thanks xxxxx

[Amethyst]

Re: Ding-Ding Round 2 Enaids lad

This is the Lombard loan one

Same letter really without the charges bit. Have you done a cca request on this ? might stall them a little ?

Dear Lom Bard


Account Reference:


Thank you for your letter dated XXX April 2008, the contents of which are noted.


You attention is drawn to the fact that this account is currently managed for me by the Consumer Credit Counselling Service (CCCS) within a Debt Management Plan.


I have, through CCCS, made payments of £XXXX per calendar month to Lombard with regards this debt. My CCCS reference Number is XXXXXXXX. Please find attached a copy of my income and expenditure sheet for your reference.


Should this matter be escalated please be aware that I am unable to afford to increase these payments at present, and should you decide to instigate court proceedings against me I believe a court will order instalments to continue at the same rate.


I am prepared to continue to make payments of £xxxx per month via CCCS up until such time as the account is settled.


I trust this out lines the situation


Regards




Nellys Son

[enaid]

Re: Ding-Ding Round 2 Enaids lad

Can't thank you enough for that Ame. I feel a little more in control now.
I am awaiting the rest now, but am a little more prepared, will get there, eventually Enaid xx

[Amethyst]

Re: Ding-Ding Round 2 Enaids lad

If they do go to court don't panic and don't let cccs tell you to just let them rubber stamp the claims through okay. :kiss:

[enaid]

Re: Ding-Ding Round 2 Enaids lad

Have done the letter for debt in dispute for this. Have told them he will keep paying the amount advised by CCCS. There is still a bit owing when all the charges come off so hopefully that will cover it. Also looks as though he is trying, (well he is very bloody trying).
See what happens now and if they still default him, or maybe they have already done it.

[Jester]

Re: Ding-Ding Round 2 Enaids lad

He has called them on a few occasions Pk and they all ways say its in hand and not to worry, easy for them to say.
Ame is doing me a letyter hopefully for the 2 and i didnt know Lombard was part of RBS but i do now

Lombard is a part of the Friends Provident Group not RBS. I had a job interview with Lombard in Luxembourg last month and they told me as much !!

[enaid]

Re: Ding-Ding Round 2 Enaids lad

Lombard is a part of the Friends Provident Group not RBS. I had a job interview with Lombard in Luxembourg last month and they told me as much !!

This is Lombard Direct and the last letter from them dated 14/4/08 is on RBS stamped paper. It says a t the bottom of the page Lombard Direct is a trading name of RBS and is reg in Scotland.
Maybe RBS have sold it on, they were trying to sell the ins part of the business too but I think it fell through.

[Jester]

Re: Ding-Ding Round 2 Enaids lad

Aah OK. Probably a different company then. Bloody confusing though LOL
------------------------------- merged -------------------------------
Good luck Enaid. I can't really help you further, but you have had excellent help and advice from others here as one has come to expect. Great place to dwell on when you need help/assurance as you are aware.

I got a bone to pick with RBS too (as Amethyst knows). There was interesting piece on RBS on 'The Ferret' here on ITV in Wales last night. They got slammed on the TV for their activities and the auditors found 'serious security concerns' in their business model that was being discussed (Swiftcard I think it was called - I'd had 3-4 glasses of wine by that point).

Serves them right. After three interviews in Jan/Feb of this year, I actually had a job offer from RBS to do just that - IT Security. Then their board of directors suddenly froze all recruitment due to the credit crunch and the job offer had to be withdrawn. They wouldn't have had those security concerns if they had employed me