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Moon phases


AA loan

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AA loan  Empty AA loan

Post by Judd09 on Mon Feb 11, 2019 4:51 am

I have an unsecured loan agreement (£5000 Dec 17) with the AA which has recently defaulted. And I'm being chased by the AA collection department.

But the AA are credit brokers and the loans are underwritten by the Bank of Ireland. So do I send the 3 letters to the AA or BOI?

Thanks

Judd09
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Post by daveiron on Mon Feb 11, 2019 9:12 am

Hi,
Send to whoever you are paying,they will soon inform you if you should be contacting the other party.

http://goodf.forumotion.com/t1153-new-alternative-letters-for-original-lenders-bank-credit-cards
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Post by Mrblue on Mon Feb 11, 2019 9:22 am

All the best with the process Judd09 :-)

There’s plenty of help on hand here. A good bunch to be found. But to be safe - and at least until you become comfortable with the approach etc. - I recommend you only take advice from people with at least 2 or 3 stars against their profile as it’s not been unknown for the odd troll (debt purchaser / collection agency) to pop up masquerading as a legitimate person in need of help but giving out misleading advice... Having said that, the kind moderators on here do a stirling job kicking the trolls out!

Remember to send the template letters 10 days apart and by Royal Mail signed for delivery. (And make sure you download a PDF of the signature once each letter has been delivered / signed).

Whatever they send in reply (unless it’s from a solicitor on their behalf - VERY unlikely at this stage, if ever) then don’t worry and keep to the letter system / timescales. The fear does go, trust me :-) In fact, after a while, you will in fact start to think “Jeez these people are fools...” As one previous great moderator once said: “it’s just people in an office...” And we all know how incompetent so many of these people are (I have plenty of examples from original creditors, debt purchasers and debt collection agencies - and on that note, it’s important you remain clear of the distinction esp when you apply the relevant and respective template letters).

We make every effort to be clear and professional (template letters) and yet they make mistakes...

With the first letter you send, also send a Removal of Implied Rights of Access which can be found here:

http://goodf.forumotion.com/t264-removal-of-implied-right-of-access

So long as you’re organised (get a folder - my one is pretty thick now!) / keep copies of your letters (and theirs i.e. those of the debt purchasers / collection agents) - and your recorded delivery receipts/signatures - you’ll be in good shape and find that the three letter template approach works (I’ve been using it with success for years as have others.)

Perhaps Keep the folder out of site and forget about it and the low lives and live your life in between receiving and sending letters.

Also don’t use email. Always deal in writing. If you have since replied via email then perhaps change your email address. IF I ever get an email from a DCA etc it would go to my junk mail and there it would stay...

Regards

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Post by Judd09 on Mon Feb 11, 2019 9:38 am

Thank you very much for your help fellas, much appreciated.

Just one more question if I may, I've gotten behind with my HSBC overdraft and credit card repayments as well.

Can I send them the same letters above and do I need to send one set for the overdraft and another for the CC?

Judd09
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Post by Mrblue on Mon Feb 11, 2019 9:44 am

You're very welcome Judd09 (on the note of your porfile name - are you sure this isn't your first name or surname? If so, change your profile name to something discreet....!)

Have you actually rec. a letter from HSBC that combines both?
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Post by Judd09 on Mon Feb 11, 2019 10:00 am

No that's not any part of my name but thanks for checking. :-)

I've received separate letters for the overdraft and CC I believe. So this means two sets of letters?

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Post by daveiron on Mon Feb 11, 2019 10:19 am

If its different accounts ,deal with them that way ,I realise it doubles the paperwork but otherwise things will
get mixed up and your paperwork will be a nightmare.
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Post by Mrblue on Mon Feb 11, 2019 10:33 am

Agreed with Dave.

Also NEVER use personal details inc reference numbers, alleged debt amounts (just round up to the nearest £1K) and dates of the letters your receive or send. Pretty much anything that helps maintain your anonymity (again, those trolls......)
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