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  1. Update on this. I emailed the CEO direct on 28th December and recieved a response from the head of Customer Service on 29th December stating that a director has been asked to look into this and they will provide a response by 11th January. I have high hopes for this one!
  2. an overdue update on this. The time of reckoning came and went without any further contact. We are now way past the dates in question so all is fine
  3. I had a call back from a customer service manager today stating again their belief that as they didnt report to CRA's until 2015 then they only record all defaults as starting from that date. I think that is against the spirit of the ICO's advice, so i have asked them to send me a letter of deadlock, which they will send within 10 working days. Once i receive it i will escalate via the ICO
  4. ok, as long as thee is agreement i am correct. I have raised a complaint. lets wait and see what they do
  5. the CCJ is fine, it can stay. It is paid and marked as settled. The default date should be 2011 though? seeing as i did not make a payment at all on the account from December 2010?
  6. Actually my maths are really bad, 2011 to 2016 is only 5 years so its not going to be statute barred. I'll just try and get the default date corrected to within the 6 month guidelines
  7. Could you offer some advise on my situation please? I moved into a property in December 2010, and the Water bill was put into my name. I left this property at some point during 2014, at which point i had made no payments towards the water or been in contact with the water company. I've made good the debt now, ive actually cleared all my debts! My question is regards to the default date. The company placed the default in January 2016. They then applied for and won a CCJ by default in August 2016. I've raised a complaint as i believe the default should have been dated between March-July 2011. That is correct i assume? In regards to the CCJ, I have asked that they agree to have it set aside, as if they had placed the default on the correct date then it would have been statute barred. Im confident on my first point, how do you feel the second point (CCJ set aside) will be? I've already paid any monies i owe to them, but if they had placed the default correctly then it would have been statute barred before the date that they actually applied for it
  8. is it worht sending the SB letter now, or maybe wait until the send a PAP letter? if they even bother to do that
  9. hes managed to get into branch today and get copy statements. Timeline is as below: last usage by himself: deposit - 2nd July 2012 Failed D/D - 8th August 2012 Account went over the overdraft limit on 2nd July 2012, and stayed that way until closed by collections on 1st November. Looking at the fees charged in Septembers statement for unauthorised overdraft it would seem that the authorised overdraft facility was withdrawn during August 2012 Does that make the statute barred date any clearer?
  10. So, he's called the bank in question this morning - Halifax - and all they could tell him is that this is an account which was closed on 1st November 2012. They said he would have to go into branch with ID to get further information, as the call centre can only see the date it was closed. Whats the next step?
  11. address is up to date and always has been . He hasnt moved in 10 years
  12. I’ll ask him to do that tomorrow, presuming they still have records of this account as I doubt he’s kept details of a closed account for nearly 6 years. What I guess you are trying to get at is that the statute barred date would be earlier than the default date, depending on last use of that account?
  13. Of course, he insists that he hasn’t communicated or acknowledged this debt since it defaulted, but he does still use another account with the same bank as his daily current account
  14. Seeing as I’ve had some success with agencies lately, it seems I’ve been nominated as the family help. So here goes. My brother in law has a default for an overdraft, default date 6th November 2012, value £3k. This week he has received a letter from intrum justitia offering to settle it for 50% off or to arrange a payment plan. As it’s so close to the statute barred timescale he’s asking for advice on how to proceed as obviously he doesn’t want this to turn into a ccj
  15. These never showed up as being in Lowell’s name, they were listed as being still with 3. The lady from the executive team office stated they would remove the defaults as I had had the accounts for a number of years being well managed. I did email the ceo of the Monday which might also have had something to do with it. All I can suggest for others is to go through the painful 3 complaints process until you can escalate to the executive team and deal with someone based in the UK
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