Ladidi v Abbey - settlement offer ** SETTLED**

[Ladidi]

Re: Ladidi v Abbey - settlement offer ** SETTLED**

Ok here goes..


Dear XXX

In light of our curernt circumstances and the current climate with my husband Mr XXXXX now being out of work since 01/10/2008 and myself Mrs XXXX being the only income provider and not having enough income to meet out goings I hve now found myself in a financial mess.

I am enclosing a detailed income and expenditure sheet to give you the details of this and also copies of letters which show how much of a mess we are in financially and the fact that if payments are not bougt up to date soon we will lose our home.

We are behind with our mortgages and council tax and service charges. So far they have been patient but as you can see they are no going to take us to court for our home.

We would gratefully appreciate it if you could help us by paying the balance due of XXXX for bank charges owed which is the only way we can pay off these bills and keep our roof over our families heads.

We thank you for you time in this matter.

Yours Sincerly

[Paule]

Re: Ladidi v Abbey - settlement offer ** SETTLED**

Can anyone offer some ssistance by way of a letter I can send to Abbey to see if they are going to helpful of not helpful.

I would start by using your initial hardship letter and tweaking it to suit your current situation.

Try that and post it up and we can help you tailor it to suit

PKea

[Ladidi]

Re: Ladidi v Abbey - settlement offer ** SETTLED**

Mornng all,

Ok I am requiring some help with a letter to issue to Abbey to see i they are prepared to give a full final setlement of balance that is owed.

I am in financial straits, Ame is helping me with this. I have an I/E for ready to go as well scanned letters of how bad things are. Ame is removing my personal details from these before they are being posted so help and assistance an be offered in relation to this.

Can anyone offer some ssistance by way of a letter I can send to Abbey to see if they are going to helpful of not helpful. As you will see, I am about to become a guinea pig for this as this has not been tried or tested to see if bks are prepared to help those who need it.

Thanks

[Ladidi]

Re: Ladidi v Abbey - settlement offer ** SETTLED**

You were one of the first hardship ones to get paid out from Abbey under the new waiver terms, so think we shall have to do a bit more work this time.

Need a plan for capstones...did you start a thread on it yet? put that latest letter on it too.

Yup so true, everyone just followed suit and said follow that woman she will show you where the money is...lol

Yup I agree, not looking forward to dealing with them, they drive me insane..lol

I have not put a thread on it yet, will put one up when I am able to get hold of a scanner so sched d letter can be included

[Amethyst]

Re: Ladidi v Abbey - settlement offer ** SETTLED**

You were one of the first hardship ones to get paid out from Abbey under the new waiver terms, so think we shall have to do a bit more work this time.

Need a plan for capstones...did you start a thread on it yet? put that latest letter on it too.

[Ladidi]

Re: Ladidi v Abbey - settlement offer ** SETTLED**

Ok I can do copies of the letters, however I cant do them today as I dont have a scanner to be able to do so.

I am trying to get through to the mortgage company to see if they will add the arrears to the balance.

I know it would be a waste of time with capstones, cos they dont move no one enless your handing over readies..

On my new income and expenditure sheet I am still over budget by 205 and thats with none of the other debts being paid a penny..

BTW, dont I just love being a guinea pig hehe

Also when I made my first claim to them I never submitted an income and expenditure shet to them. I just told them I was on hard times lol and they agreed to pay out after a bit of huffing and puffing.

[Amethyst]

Re: Ladidi v Abbey - settlement offer ** SETTLED**

The bailiff thing with the council tax and any action the mortgage company may have indicated would be good with copies of arrears letters. Havent dealt with a second claim on same account under hardship yet so, again, you are a tester lol.

Now the first payment they gave you after your IE etc, but they didnt attach it to any specific debt or calculate it due to specific debt. They may ask what you used the original payment for so be ready for that. Will have a think about letter too, i know Tools has had a look at your case as well so see what he thinks too.

Great progress on the financial statement side and GMAC thus far honey xx

[Ladidi]

Re: Ladidi v Abbey - settlement offer ** SETTLED**

Ok an update, I have an income and expenditure sheet prepared and ready to go with email.. I am just needing some advice as to what to put in the email.

So far all I have is this..

In light of a change of circumstances and my husband being out of work since the end of September 2008. I am enclosing and income and expenditure sheet for your attention. I would appreciate if you could look at my case re fianancial hardship and pay the outstanding monies due which would help me to pay the mortgage arrears and keep my home over everyones heads.


I am sure not what else I can put..Does anyone have any advice on this.. Thanks

[Ladidi]

Re: Ladidi v Abbey - settlement offer ** SETTLED**

Hi everyone,

I have been in contact with Ame who is helping me re my financial mess. She has advised me that I could re write to Abbey and ask them to re look at hardship status and see if they are prepared to payout the remaining balance due.

Does anyone have any advice on what I can put in this email?

I have done an Income and expenditure sheet, and made loads of cut backs.

Any advice would be greatfull appreciated as soon as.

Thanks

Ladidi

[Amethyst]

Re: Ladidi v Abbey - settlement offer ** SETTLED**

hi trev and welcome have moved your post to you own thread called (imaginatively) Trev v Abbey

[Budgie]

Re: Ladidi v Abbey - settlement offer ** SETTLED**

Hi Ladidi,

Print off a copy of the email that you sent Ronan and send this via post to Ronan.

Keep a copy for yourself for future reference.

Budgie

[Ladidi]

Re: Ladidi v Abbey - settlement offer ** SETTLED**

Good Morning all

How is everyone today? Well hubby and I got away to Blackpool for a couple of days for our alone time

I have not heard from Ronan re the last email I sent reminding him that I will be back for the rest once the case is settled should it be in our favour. Should I send him another to reitterate what I have said in case he claims not to have received this?

Ladidi

[Ladidi]

Re: Ladidi v Abbey - settlement offer ** SETTLED**

Thanks everyone,

Husband aand I going to get some quality time and have a couple of days in blackpool and stay for 1 night in a bed and breakfast. We have not had any time together alone since we got married nearly 14 yrs ago so we feel we deserve some alone time

I`ll say it again, anyone who wants to test the waters with their banks, go for it, you have more to gain than to lose

Ladidi

P.S I have not had a reply from Ronan re the extra they owe when the case completes. I guess I have caused him to be swamped with requests for payouts hehe

[scoobydoo]

Re: Ladidi v Abbey - settlement offer ** SETTLED**

Well Done !

Inspiration for other cases on here.

Never give up

Scooby

Re: Ladidi v Abbey - settlement offer

FANTASTIC - LIKE ENAID SAYS TREAT YOURSELF TO SOMETHING REALLY NICE. XXXXX