Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Good result JB, and with the new OFT guidance on the sale of SB debt
they'll have a job to off load it.
Brig.
The help and advice I offer is from personal experience and my career training, at times I may be wrong so PL
Make decisions that are suitable for your needs.DOUBLE click my star if I help.
**ANY letters that I draft are from my own experience and traing and are intended for the particular users problem ane are not necessarily those recommended OR ENDORSED BY CAG.
1. Never ever phone a DCA. 2. If a DCA phones you DON'T answer their ''SECURITY QUESTIONS''
3. State you will deal in writing only and HANG UP.
Please Consider making a dontation to keep this site running!!
**NEMO MORTALIUM OMNIBUS HORIS SAPIT** = NO MORTAL MAN IS AT ALL TIMES WISE!
** ANIMO ET FIDE** = ACTION WITH FIDELITY!
Nice one Joeblogs. Congrats. Also great advice Brigadier.
Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.
However, I can and will help with matters regarding payroll as I am fully qualified.
If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)
I sent the letter you drafted last night and put it in the post. This afternoon as sods law would have it, I received a letter from Lowells saying:-
Dear JB
Your account is now closed.
We have today reviewed your overdue account.
We have discovered that Section (5) of the limitation act 1980 now applies to your account (this relates to the amount of time passing between now and the time you incurred the debt) and we will no longer be asking you for payment.
We will not send you anymore letters and we have now closed your account with Lowell.
So big thanks to everyone, especially Brigadier.
JB
And are they ceasing/removing the information they have flooded your CRA file with ??
However, this is good news. Do keep that letter safe.
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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
And are they ceasing/removing the information they have flooded your CRA file with ??
However, this is good news. Do keep that letter safe.
It is in the letter JB has posted to them, required to cease processing
data and remove from records.
The help and advice I offer is from personal experience and my career training, at times I may be wrong so PL
Make decisions that are suitable for your needs.DOUBLE click my star if I help.
**ANY letters that I draft are from my own experience and traing and are intended for the particular users problem ane are not necessarily those recommended OR ENDORSED BY CAG.
1. Never ever phone a DCA. 2. If a DCA phones you DON'T answer their ''SECURITY QUESTIONS''
3. State you will deal in writing only and HANG UP.
Please Consider making a dontation to keep this site running!!
**NEMO MORTALIUM OMNIBUS HORIS SAPIT** = NO MORTAL MAN IS AT ALL TIMES WISE!
** ANIMO ET FIDE** = ACTION WITH FIDELITY!
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
Re: Red Debt Collection/Statute Barred ** SB status confirmed **
Thanks to everyone for your input. I recently had a free 30 day trial with Experian and nothing was showing up on my Credit File. The trial has recently ended so I am unable to check, but up to the beginning of this week nothing was showing up.
Re: Red Debt Collection/Statute Barred ** SB status confirmed **
Originally Posted by joeblogs
Thanks to everyone for your input. I recently had a free 30 day trial with Experian and nothing was showing up on my Credit File. The trial has recently ended so I am unable to check, but up to the beginning of this week nothing was showing up.
Thanks again to you all.
i would not just check experian there are 2 other credit refrecing agencies where they could have posted thier grubbly little details make sure yo check call credit and equifax as well if nothing is on them 2 then your all clear
The Tally so far in order of appearince:
Intrum JusticaNow gone from my life
MetropolitionGone and had to repay me 500 pounds
Red(Lowell)Case Closed
Aktiv KapitalWas so sad yo say good bye. Parting is such sweet sorrow.
MBNA No CCA No Debt You lost
Re: Red Debt Collection/Statute Barred ** SB status confirmed **
IMO Call Credit (Noddle) fall well short of Experian and Equifax.
The help and advice I offer is from personal experience and my career training, at times I may be wrong so PL
Make decisions that are suitable for your needs.DOUBLE click my star if I help.
**ANY letters that I draft are from my own experience and traing and are intended for the particular users problem ane are not necessarily those recommended OR ENDORSED BY CAG.
1. Never ever phone a DCA. 2. If a DCA phones you DON'T answer their ''SECURITY QUESTIONS''
3. State you will deal in writing only and HANG UP.
Please Consider making a dontation to keep this site running!!
**NEMO MORTALIUM OMNIBUS HORIS SAPIT** = NO MORTAL MAN IS AT ALL TIMES WISE!
** ANIMO ET FIDE** = ACTION WITH FIDELITY!
I think that there is a connection between people checking credit records and then receiving letters from DCA's out of the blue. It is possible that the credit reference agencies send out alert warnings that the credit record has been checked. The DCA's are then able to check these with their records and send chaser letters to the new address.
I don't know this for sure, but it is one heck of a coincidence that people get 'out of the blue' debt chasers shortly after checking credit records.
Exactly the same thing is happening to me. After checking my file with credit expert I have received three different DCA letters from different companies. Coincidence ? Hmmmm
Re: Red Debt Collection/Statute Barred ** SB status confirmed **
Let's get some sense into the Checking personal CRA files
is not seen by anyone but bthe data subject, also the credit
file exists if you check it or not, it's one of the safest and
cheapest ways to make sure you are not caught out by default enrties,
keeping check on the dates when accounts are at or very near statute barred.
Most of these ''coincidences'' are because if a debt purchaser/DCA has acounts
in and individuals name that are of the above status they will check to see if there
is any chance of collecting the debt.
The help and advice I offer is from personal experience and my career training, at times I may be wrong so PL
Make decisions that are suitable for your needs.DOUBLE click my star if I help.
**ANY letters that I draft are from my own experience and traing and are intended for the particular users problem ane are not necessarily those recommended OR ENDORSED BY CAG.
1. Never ever phone a DCA. 2. If a DCA phones you DON'T answer their ''SECURITY QUESTIONS''
3. State you will deal in writing only and HANG UP.
Please Consider making a dontation to keep this site running!!
**NEMO MORTALIUM OMNIBUS HORIS SAPIT** = NO MORTAL MAN IS AT ALL TIMES WISE!
** ANIMO ET FIDE** = ACTION WITH FIDELITY!
Re: Red Debt Collection/Statute Barred ** SB status confirmed **
Address changes, on the other hand, do seem to trigger DCAinterest, as I've noted when I've been posted and update my address with O2; it's always been followed by a flurry of DCA drivel.
Re: Red Debt Collection/Statute Barred ** SB status confirmed **
I agree there the mobile phone companies are
flogging data to anyone willing to pay.!!
The help and advice I offer is from personal experience and my career training, at times I may be wrong so PL
Make decisions that are suitable for your needs.DOUBLE click my star if I help.
**ANY letters that I draft are from my own experience and traing and are intended for the particular users problem ane are not necessarily those recommended OR ENDORSED BY CAG.
1. Never ever phone a DCA. 2. If a DCA phones you DON'T answer their ''SECURITY QUESTIONS''
3. State you will deal in writing only and HANG UP.
Please Consider making a dontation to keep this site running!!
**NEMO MORTALIUM OMNIBUS HORIS SAPIT** = NO MORTAL MAN IS AT ALL TIMES WISE!
** ANIMO ET FIDE** = ACTION WITH FIDELITY!
Re: Red Debt Collection/Statute Barred ** SB status confirmed **
Originally Posted by mikedesign
I find it odd that callcredit are both a debt collector and also a credit reference agency
???? explain please.
The help and advice I offer is from personal experience and my career training, at times I may be wrong so PL
Make decisions that are suitable for your needs.DOUBLE click my star if I help.
**ANY letters that I draft are from my own experience and traing and are intended for the particular users problem ane are not necessarily those recommended OR ENDORSED BY CAG.
1. Never ever phone a DCA. 2. If a DCA phones you DON'T answer their ''SECURITY QUESTIONS''
3. State you will deal in writing only and HANG UP.
Please Consider making a dontation to keep this site running!!
**NEMO MORTALIUM OMNIBUS HORIS SAPIT** = NO MORTAL MAN IS AT ALL TIMES WISE!
** ANIMO ET FIDE** = ACTION WITH FIDELITY!
Re: Red Debt Collection/Statute Barred
The Consumer Forums
The help and advice I offer is from personal experience and my career training, at times I may be wrong so PL
Reply With Quote
Originally Posted by joeblogs
through PayPal (opens in a new window)
Was so sad yo say good bye. Parting is such sweet sorrow.
No CCA No Debt You lost