That I dont know, if it doesnt appear on credit file is it safe to assume its past 6 years?

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?

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.

Lowell is asking me to pay them, have had plenty of offers of discounts as well.

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.

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.

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

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?

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.

Are they likely to send more letters asking for payment? Even though we took you to court please please still pay us.

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?

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.

Couldent produce a CCA. Claim DISMISSED. Will donate

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.

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?

The only real note is the above, unable to locate application details for this account.

The whole file is 2 inches thick. On phone, will try and do some more tomorrow. Any particular priorities needed.

Did it under GDPR basically anything with my name. Its too large, about 2 inches thick. Mainly copies of letters sent. The above that i wrote about is below. rsz_120211206_220519-converted.pdf

Ive emailed court with new address as per their email reply when you contact them. Will call tomorrow to check that they have correct address. When I sent those my correct address was on there but moved since. Any thoughts on the GDPR and the lack of application details on file admitted by vanquis.

Do I need to post up their claim, i had to drive to old address to collect it even though i had emailed them ages ago with my new address. Trying it on. Emailed them 3rd Nov with new address. Their paperwork sent 22 Nov to old address. Ive also got someone elses default letter in the paperwork and still no terms and conditions. Claiming that ticking the elexctronic application is as good as. I also GDPRd them. In multiple quers it states New Query created ##/##/#### Agreement with terms and conditions. Reason proof of debt. Query sent to client ##/##/#### Response received from originating client ##/##/#### Query response - unfortunately we are unable to provide the application details for this account. The fact that they are relying on the application form in their claim. The application form from previous post.

Nope no new courts docs to new address. Last letter was the date of court case to old address.

On another note. I emailed the claimant with my new address as moved since claim started. Also emailed the courts. What happens if they post to my old address? And that i have proof of the email being sent and received. I have access to old address and can easily check but they dont know that.

How does that sound? 14. The default notice is invalid pursuant to sec 87/88 of the CCA 1974 & The Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983 The default notice has to be accurate in terms of the arrears owed. In this case the £200 asked, is an overstated amount, from the £144.88 that would be needed to bring the account within the credit limit. This effectively ended the agreement as the £200 was not paid and the agreement was terminated on a wrong amount. See Woodchester Lease Management Services Ltd v Swain and Co. It could also be considered as unlawful rescission of contract which would prevent the Court enforcing any alleged debt. That is because the agreement was terminated on an incorrect arrears amount requested.

They also havent sent me terms and conditions even though ive asked 3 times for them

whats the incorrect amount? The £200? Would this be no 14 in witness statement?