Hello I received a citation for an old credit card debt and was wondering if any one knew how to get the date extended so I have time to make up a defence if this is possible? I'm in Scotland

Many thanks

Tom

It would help if you provide date and more details, like when did you last make a payment and things like that. Some history for the debt would help to advise you better...

I'm just wondering if it's possible to extend the date at the moment and how I would go about it?

Many thanks

Tom

Hello does anyone know if missold ppi on a credit card pre 2007 makes the debt unenforceable?

Many thanks

Tom

no. in simple terms.

there were a few agreements that used to fall into this.

read the thread multiple agreements.

Thanks for replying do you have a link to that thread please?

yes sorry autolinks failed..

http://www.consumeractiongroup.co.uk/forum/showthread.php?456690-Multiple-agreements-falling-within-section-18-CCA-1974-(update)

Hello

Does a dca need to have the original lender information and account number for a credit card debt to be enforceable in court?

If the account was opened pre april 2007, yes. After, all they need is a reconstituted agreement that complies with regulation.

Post 2007 it all depends on the judge in court whether he accepts if it is valid or not though.

I received a statement of account from a dca in

March and they have the original creditor and account number as the company that purchased the card in 2011 and the there's no word of the original creditor I still have the original card from Nov 2006

Hi how would you go about finding out"

If the agreement fails to correctly set matters out in accordance with s18 "?

urm..you look at your agreement p'haps?

but its very rare on a credit card as the PPI is specifically monthly not a lump sum at the start.

so whats your issue with the credit card?

cant pay it or after reclaiming the PPI

tell us about the debt rather than starting random threads with random questions.

Urm.... both!how do you get your agreement?

it this to do with your other thread too same debt?

you don't need too

tell us about the debt

is this a simple procedure claim or a ordinary Cause claim

is this about this credit card you are asking about elsewhere

dx

So what would your thoughts be on the statement info?

are all your threads to do with the Scottish claim you have please

nothing wrong with the statements.

the debt has been sold

dx

Dx (very reasonably) noted:

tell us about the debt rather than starting random threads with random questions.

Shortly after, the OP asks

So what would your thoughts be on the statement info?

What about the statement info?. Thoughts on what aspect of it?.

dx has asked for relevant background, and instead of giving the background, you are asking a question so vague as to be pretty pointless.

If you want help, help people to help you.

You seem to have 3 threads running, all started today. Are they all about the same alleged debt?

This thread,

http://www.consumeractiongroup.co.uk/forum/showthread.php?479222-Ppi-missold-makes-credit-card-debt-unenforceable&p=5041846#post5041846

http://www.consumeractiongroup.co.uk/forum/showthread.php?479219-Looking-for-Help-with-citation-for-credit-card-debt&p=5041826#post5041826

The statement gives false information does it not?

Different topic though

we don't know weve not seen it!!

whats false about it??

is this to do with your Scottish citation?

The statement gives false information does it not?

Definitely, if they haven't been sold the debt, but then claim they own it rather than acting for the creditor.

Possibly, if they have been sold the debt, but haven't followed the correct process.

No, if they have been sold the debt and have followed the correct process.

Not the world's most useful answer, I grant you, but it is correct. It'd be more use if you stopped posting one line questions devoid of context, and started to to help people help you.....

no ALL issues with a debt should be under ONE THREAD

so are ALL your threads to do with the fact you've received a Scottish claim on the card

and you are looking for ways to defend it?

If you care to look at my previous post above they have listed the company that purchased the debt in 2011 as the original creditor and account number this comment was to dx100