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Statute barred + IVA also a CCJ - need advice please


nataku
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Hey guys,

 

Had 3 accounts with Lowell - old Vodafone, very old Provi loan and JDW catalogue.

 

I recently got letter from Lowell that due to my circumstances (mental health problems) they will close all the accounts but the defaults will stay on my credit report.

 

Now.

I have sent a CCA request regarding loan and catalogue and never got any reply.

Am I right to think that now that they actually closed the accounts and never reply to CCA I could somehow get those two defaults removed?

How would I go about it?

 

And I take it, no matter what I do or don't do now, Lowell cannot reopen those accounts?

I have received great help from CAG on several occasions and contribiuted a bit. Did you? :ban::boink::madgrin:

http://www.consumeractiongroup.co.uk/paypal.php?go=donate

I don't give any advice as I am not at all qualified! I only express my views and ideas. :loco:

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nope as the original creditor placed them

and they are a reflection of how you operated the account

having or not having enforceable paperwork doesn't change those facts

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... 

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theres nothing to stop them selling them on mind

 

when was your last payments?

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... 

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Share on other sites

I'd be ignoring them for the time being, don't rattle their cage.

 

How is your CRF looking?

Should be clear?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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couple of old threads merged here now

I notice you have threads for 2 of these debts

might be an idea to update those so readers there see whats happened now too

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... 

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