I had a loan from textloan in 2012.

On 23/01/13 I emailed them to say I couldn't make payment of the balance- £365 and asking them to freeze interest while I sought help from a money advice centre.

My health was declining and I missed so much work I was using payday loans to live on and pay other payday loans.

Textloan emailed back to say I had to contact them on a different email address with the information.

I emailed this address and it was returned undeliverable.

I emailed it repeatedly and it kept returning

I tried the other email address again and that came back undeliverable too.

I still have these emails including the failed delivery ones.

I didn't hear anything further from textloan.

In May 2014 I got an email from a company called Myjar demanding £695 saying it was a loan I had taken with them.

I had no idea who they were so I replied telling them this and that I wanted to see the loan agreement.

They ignored my email and sent three more demanding payment.

I replied to each one exactly as I had the first.

They still ignored me.

I assumed they were ****ming me and decided to ignore them and eventually they stopped.

I have most of their emails and mine saved.

Last month I looked at my credit report and on there was a loan with 'myjar' of £695 added in 2015.

No default but something saying LL since 2015.

I found out this means payment was late by over a month.

No payments actually registered because I hadn't paid any.

I searched 'myjar' and on a debtforum

I discovered they used to be Textloan.

They are awful at communicating - I was never told this.

I also found out from the forum that if you live in Scotland and the debt is over five years old then it is 'statute barred'.

Since the last time I acknowledged the debt was January 2013 Would this now apply?

If so,can I get Myjar to remove this from ny credit report?

I have no idea how to do this but I am slowly improving my credit file and really want it removed.

I would be grateful for help on how to do this.

Thankyou.

yes the debt is SB'd

if you were resident in Scotland when you took it out it is extinguished totally

no it wont fall off your credit file till 6yrs after the default date..

have you looked at an irresponsible lending claim?

My health was declining and I missed so much work I was using payday loans to live on and pay other payday loans.

 

I have no idea how to do this but I am slowly improving my credit file and really want it removed.

Another PDL Case...

I think it might be time to look into IRL - https://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=71215

yes the debt is SB'd

if you were resident in Scotland when you took it out it is extinguished totally

no it wont fall off your credit file till 6yrs after the default date..

 

have you looked at an irresponsible lending claim?

Hi

Thankyou for confirming the Statute barred status.

There is no default date recorded though.

It is showing as an open account with this LL on iit every month.

From reading other threads I see there is a statute barred template letter.

Do Myjar have an address? Or can I email it? I thought I could send it along with printouts of the emails from 2013/2014 and ask them to close the account.

Would that mean a default date would only be when they close the account?

Or is it from when I informed them I couldn't pay?

I will look at the irresponsible lending claim to see what that does.

the account should have been defaulted on or around your third missed or short payment.

dx