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king100

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  1. That I dont know, if it doesnt appear on credit file is it safe to assume its past 6 years?
  2. Hi Just wanted to check the best way to check if a debt if SB. I have checked my experian/equifax report and cannot see anything corresponding to the 2 debts in question, plus the free credit checks apps. I get various letters and also text messages asking me to contact them. What should I do? Possibly SAR them to check when last payment on acocunt?
  3. Last payment on one account from statements that they sent me originally was 14th Dec 2015. That is a Visa card, and that was direct to the card provider. The other I have no idea when the last payment was, and when it was would have been paid to the original lender. Notice of assignments I have no record of, as very long ago. I have never paid any of the DCAs that have been after it.
  4. Lowell is asking me to pay them, have had plenty of offers of discounts as well.
  5. Hi Sorry last payment made on the account was 2016 on one account. With the paperwork I have been sent. Both do not show on credit file. Both owned by Lowell. Barclaycard for both I believe. Have not moved since taken out. No CCJs on account.
  6. Moning Just 2 CC debts from ages ago. None of them appear on my credit file, that being experian or equifax. I did SAR one of them and the last date I can find when payment was due was in 2022. The other I have no further details.
  7. Hi Got 2 accounts that I believe are both SB. Is it a simple case of emailing them and asking when the last payment was made on the account or to SAR them and work when it was. Obviously me asking for last payment gives them the premises im going down the SB defence if they ever gor court. So SAR or just letter for larst time payment received on account. Thanks
  8. Hi Reveived a notice of enforcement. Issued date of notice 14/06/2022 in regards to a liability order issued on the 07/06/2016 for unpaid council tax. Some 6 years later they are trying to enforce it? Suggestions?
  9. Dx100uk The issue i have with the default is the default letter was stating if you dont pay within 14 days blah blah blah and that was dec 2015. How come it takes them 6 months to register it as default. I always thought default is from last payment of the debt. Need clarification of when a debt is considered defaulted.
  10. Are they likely to send more letters asking for payment? Even though we took you to court please please still pay us.
  11. Ok cool thanks. Now onto the credit ref agencies. Lowell have just updated it on 6th Dec as if they had won, they have increased the debt to a little under £4k which would have been the total inc costs if they had won rather than the £3.1k which is the original debt. Suggestions?
  12. Ok so now need to work the default date, as its soon to hit 6 years. On credit file the default date is end on May 2016. I know ive gone over this before but if the above date is wrong I want to be in position to say its SB if they want to have another bite at it.
  13. Evening So tomorrow at 10 I have a video call. Is there any case law for them not complying with sending me the terms and conditions. Should i mention to the judge that the claiment has sent paperwork to wrong address, even though on my letter I stated new address, and also on an email, at least 3 weeks before they sent it. My defence is default notice is invalid. Case law as mentioned above and no terms and conditions sent as per sec78(1) CCA. Possibly PRA Group v Holmes. Im trying to cover all bases incase they say default notice in compliant.
  14. With the information to hand ie the default notice. What is the correct default date? Credit score says 31st May 2016 uet they gave me 2 weeks before default in Dec 2015?
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