Jump to content


First Direct CCA- Is this enforceable??


roygoodbeat
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2530 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

willy waving on an HSBC managed loan

[well known debacle

ignore

unless/until a claimform arrives

 

 

shame you paid mind

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Hi

Under circumstances it's a pity you paid anything as would be statute barred by now.

Accounts are state barred from the last date any payment was made and recorded on your credit file.

 

They have pulled a fast one, under their own rules, by consolidating all outstanding amounts into one.

What is on your credit file ?

Does it say Consolidated Loan or what ? Or has it cleared now from your report. If it's not showing up on your credit file.......then that's it your are home and dry.

 

Consolidated debt is not factually correct or even accurate in your circumstances.

 

If you held a bank account with them, and you owe money to that account, then they do have the legal right to take money from another account you hold with them, that is in credit.

It's called 'Off Setting'

All banks can do this.

Just check the information on your credit file, before you do anything else.

Anna

Link to post
Share on other sites

slightly wrong there

if its not on your credit file it does not mean its not due nor that its statute barred.

there is no link between statute barring and it being or not on your credit file.

 

 

that's down to the defaulted date.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Yes I agree with you there,

 

however I was just curious first regarding what's recorded on his credit file.

Yes he can still be taken to court by bank.

 

He will need as much information as possible.

If a debt has been sold on.etc

 

He will need to respond to a claim and ask for extra time to prepare his defence.

 

The more times a debt has been sold on the less chance they have of success regardiing a claim against you

Link to post
Share on other sites

Unsure what is on the credit file.

 

They have it listed as an overdraft.

I was already overdrawn at the time by about £300.

 

The £13,000 odd is made up mainly of a loan and credit card.

 

On all correspondence and any conversations I had with them,

the money I sent was for the loan

and I repeatedly give the loan account number

and queried/ disagreed with the other account.

Link to post
Share on other sites

post 26.

 

 

go read up on HSBC managed loans

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...