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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

bulletfoss

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  1. bulletfoss
    Surley if they don't have a copy of the agreement and cannot prove that I have taken the credit, then they cannot process my information under DPA rules?
  2. bulletfoss
    Is there anything I can do to stop them chasing me unless they find that information? I don't want to be called every week with the question.. "what are your intentions in relation to this account?" and I don't want to receive letters anymore.
  3. bulletfoss
    Thanks for the info! Really appreciated. I know it's not SB, that's fine - but I wondered if it would become immediately SB as soon as it's struck out? Or if I would have to wait a month (as the clock stopped in October and will be continued upon strikeout).
  4. bulletfoss
    I did ask for the agreement and statement over the phone. They replied in writing with their statement in my OP. I won't phone them again. They have put my account on hold for 30 days, what should I do next? Thanks!
  5. bulletfoss
    So how long until it is struck out, settled or discontinued? Are you saying the issue of a claim does not affect the SB timing? Meaning that if the 6 years expires during a claim, they can still claim, but as soon as it's struck out, that SB timer has run out and they can't make another claim? The SB would have been Nov 2015, they started a claim in Oct 2015. The claim still shows in MCOL with no response to my defence which was also filed in November.
  6. bulletfoss
    Just looking back on this one, No-one mentions the sale of goods act and no-one mentions the fact that the finance company purchase the good from the retailer and sell them to you on loan, making them jointly responsible. Oh, how much I have learned in 10 years!
  7. bulletfoss
    Hi All, Lowell have approached me with an account for which I supposedly owe money. The alleged debt is from 2011 and is a Provident Home Credit loan for about £800. I lived at the address in question at the time, but I have no recollection of taking this loan. Lowell told me that payments were made onto the account for a few months and then stopped. I told them that I neither accept nor deny having taken the credit, and that I would like to see the a copy of the credit agreement and a statement of accounts to date. I told them that I would then be able to confirm whether this is something I have overlooked, or if it is indeed false/fraudulent. Lowell sent me a later saying: "Due to the amount of time that has passed, the credit agreement and statement of accounts are no longer available for this account." But they also go on to say that I still owe the money and still need to pay?! Where do I stand with this? Advice is much appreciated. Thanks!
  8. bulletfoss
    So when would the SB clock start running again? And would it continue from where it left off, or restart the 6 year timer?
  9. bulletfoss
    a claim was made against me for a debt which had nearly become statue barred. I have filed a defence, but about 6 months has passed since I did this and the claimant hasn't responded. I wanted to know when their claim expires without a response and if the action of the claim restarted the SB clock. I am statisfied with the information which has been provided. Many thanks!
  10. bulletfoss
    Just to update, I can confirm that the Tomlin order payment DOES take weekends and bank Hols in to account. Which means your payment is not due until the next working day, if your payment day falls on a non-working day.
  11. bulletfoss
    Hello, I have a very quick question I was hoping someone could answer please. I have a Tomlin order which dictated I must pay monthly installments towards a debt by the 1st Day of each month. My job has changed and my payday has changed with it. I have altered my standing order for this payment and money will be transfered instantly on the 1st or the next working day. Let's assume the 1st falls on a SAT, then Monday is a bank hol. This means they won't receive payment until 4th day of the month. Is this ok for a Tomlin Order arrangement? As it is the next working day?
  12. bulletfoss
    If this time expires, will it also ensure continuation of the Statue Barred timer? Or does the simple action of filing a claim reset the SB clock, regardless of outcome?
  13. bulletfoss
    Good morning all, I have a question if someone is able to help... If a defendant files a full defence via MCOL, stating that they don't beleive they owe the claimant money and the reasons why; how long does the Claimant have to instruct the court to proceed once this defence is received? Many thanks!
  14. bulletfoss
    Many thanks, I will contact the court to see if they have received instructions that the debt is paid.
  15. bulletfoss
    See the original screenshot I posted. It says "A judgement was issued against you on 10/02/16" I just want to know if this is the date that the 28-day period starts, can anyone confirm this?

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