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grrrrrrrr
This is an HFC loan that has been being paid since August 2006 at approx £5.00 through CCCS.
Appears they have passed it on to CAPQUEST.
Hmmm anyway this is the letter
Soooooooooooo £236.12 over 6 months is £39.35 a month.
Its currently being paid at about £5 through a DMP with CCCS. Sooo seems HFC have got bored of that and sold it over to CAPQUEST.
I have no idea if theres been default notice etc etc as letters going to ex OH.
I would guess that a CCA request is in order to stall things a little. I'm not fussed if it goes to court cause theres enough CCJs anyways. And the court will order payments at £5 a month as thats what has been being paid. But that adds the court fees etc on.
Soooooooooo I think I need to get him to write a budget sheet and get the finances split off really. Most of the debts are in his sole name now, though a few biggies are joint names. CCCS is a joint thing.
I don't know really. Since leaving I have kind of left it all for him to deal with which is really really bad of me I know for all my telling everyone else not to stick their heads in the sand. things tick over okay but it is getting to this kind of stage with everything.
Sitting down and talking through money stuff isnt really a sane option at the moment so I guess I keep trying to stall things.
Ummm so any ideas ? I'm still kind of dealing with all the finances but from a distance and without a grand deal of communication.
All the debts, whoevers name they are in, are joint debts in reality so I don't want to just leave it all to him to sort out (appart from the fact he won't).
So what do other people do when they seperate ? cause I really have no idea.
( think I gone a little off topic here too oopsy)
Thanks guys
This is an HFC loan that has been being paid since August 2006 at approx £5.00 through CCCS.
Appears they have passed it on to CAPQUEST.
Hmmm anyway this is the letter
Balance £300ish
It is apparent that we need to start the litigation process to resolve this matter.
As you will be aware we have communicated with you over a period of time without the need for legal action. Costs as a result of litigation will be added to your balance, if we suceed in obtaining judgement against you.
My name is XXXXXXXXXXX and I have been appointed your case handling supervisor (oooooooooo lucky me)
blah blah blah
Your case will be processed and passed to our solicitors on or around 25th Feb 08 - a process that you can stop by telephone xxxxxxxxxxxxx to discuss your account and reaching an amicable solution.
I will not be demanding payemnt in full and I will be open to suggestions from you on how this account can be settled.
If you contact us before 25 Feb I can offer you a settlement figure on your outstanding balance. that means you only have to pay £236.12 to clear this account with us, and if required, you can pay this over a six month period.
You still have the opportunity to stop legal action and the possibility of settling your account over a period of time and by a method that is suitable to you.
blah blah blah
It is apparent that we need to start the litigation process to resolve this matter.
As you will be aware we have communicated with you over a period of time without the need for legal action. Costs as a result of litigation will be added to your balance, if we suceed in obtaining judgement against you.
My name is XXXXXXXXXXX and I have been appointed your case handling supervisor (oooooooooo lucky me)
blah blah blah
Your case will be processed and passed to our solicitors on or around 25th Feb 08 - a process that you can stop by telephone xxxxxxxxxxxxx to discuss your account and reaching an amicable solution.
I will not be demanding payemnt in full and I will be open to suggestions from you on how this account can be settled.
If you contact us before 25 Feb I can offer you a settlement figure on your outstanding balance. that means you only have to pay £236.12 to clear this account with us, and if required, you can pay this over a six month period.
You still have the opportunity to stop legal action and the possibility of settling your account over a period of time and by a method that is suitable to you.
blah blah blah
Soooooooooooo £236.12 over 6 months is £39.35 a month.
Its currently being paid at about £5 through a DMP with CCCS. Sooo seems HFC have got bored of that and sold it over to CAPQUEST.
I have no idea if theres been default notice etc etc as letters going to ex OH.
I would guess that a CCA request is in order to stall things a little. I'm not fussed if it goes to court cause theres enough CCJs anyways. And the court will order payments at £5 a month as thats what has been being paid. But that adds the court fees etc on.
Soooooooooo I think I need to get him to write a budget sheet and get the finances split off really. Most of the debts are in his sole name now, though a few biggies are joint names. CCCS is a joint thing.
I don't know really. Since leaving I have kind of left it all for him to deal with which is really really bad of me I know for all my telling everyone else not to stick their heads in the sand. things tick over okay but it is getting to this kind of stage with everything.
Sitting down and talking through money stuff isnt really a sane option at the moment so I guess I keep trying to stall things.
Ummm so any ideas ? I'm still kind of dealing with all the finances but from a distance and without a grand deal of communication.
All the debts, whoevers name they are in, are joint debts in reality so I don't want to just leave it all to him to sort out (appart from the fact he won't).
So what do other people do when they seperate ? cause I really have no idea.
( think I gone a little off topic here too oopsy)
Thanks guys
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