best way to go after bournes

[libra1970]

Re: best way to go after bournes

A lot of those will be quite old agreements, so it may be worth requesting CCAs (on the loans and cards) at some point if you haven't done so already. At the very least if any struggle to come up with them it might give you bargaining power for reduced settlements.

Hi so do I write and just ask requesting CCAs or is there a special letter template you use?

[enaid]

Re: best way to go after bournes

Hi so do I write and just ask requesting CCAs or is there a special letter template you use?

Here is the info and templates for your request

http://www.legalbeagles.info/forums/...y-of-Agreement

[libra1970]

Re: best way to go after bournes

Thanks. I rang a couple of my creditors and explain situation but they said because bournes has broke their agreement I will have to write again with offers of payment. As I asked if I could pay them what bournes should of paid them. Oh its all a headache.

[enaid]

Re: best way to go after bournes

I can well understand your frustration and as you thought you were paying off your debts and not having to worry about them then this happens is a nightmare .
If you take things step by step as people advise on here things will become clearer, I would start by sending off those cca requests as Nibber suggested.
Also have a check if there is any PPI an any of the loans/cards and if there is a possibility it was mis sold to you.

[Pallawan]

Re: best way to go after bournes

Hi
I just wanted to ask how you are getting on?
Today was the first time I spotted this thread and I just had to say that as enaid mentioned, check if you have had any PPI's in the past. I rang up the RBS and found out I had 2 which I didn't even realise I had, they helped me fill in a claim form over the phone and after their investigations were done I was refunded £2,800.
However because I had outstanding debts with RBS this refund was paid directly into my frozen RBS account to go towards reducing my overdraft. Not a problem as it reduced my debts by £2800. So well worth doing and all it took was 1 phone call..:tinysmile_kiss_t4:

[Amethyst]

Re: best way to go after bournes

Hi
I just wanted to ask how you are getting on?
Today was the first time I spotted this thread and I just had to say that as enaid mentioned, check if you have had any PPI's in the past. I rang up the RBS and found out I had 2 which I didn't even realise I had, they helped me fill in a claim form over the phone and after their investigations were done I was refunded £2,800.
However because I had outstanding debts with RBS this refund was paid directly into my frozen RBS account to go towards reducing my overdraft. Not a problem as it reduced my debts by £2800. So well worth doing and all it took was 1 phone call..:tinysmile_kiss_t4:

bloody brilliant - well done xxx

[Pallawan]

Re: best way to go after bournes

Thank you!