So what exactly does that mean,when i checked online there was no update or status change to reflect this that is all Cheers wato

I have just checked online and I have still had no response to my defense, the exact date the defense was received was the 21/12/2015 so i believe I am past the allocated time for a response,what should I do next? thanks

That is what I was thinking to be honest, Is it worth replying to the solicitor to say that I believe it is statute barred and there for would be happy to see them in court or just leave it to see what they do within the courts date. cheers

Latest update We have received two letter from Mortimer Clarke both arrived on the same date, the first was a Without prejudice Save as to costs, offering a 40% discount,which we are not interested in, the second was a reply to our defense basically saying it is NOT statute barred as the agreement was actually terminated in august 2010, I always thought 6 years after the default date is when it becomes statute barred,is this not the case now? Any advice on what we should do next cheers

thanks for your response dx100uk, I will submit my defense due to it been statue barred and see what happens next cheers

hi all, A Family member has just received a ccj claim form, I have filled the form out as best i could, we are almost 100% sure it is statue barred and believe they are just chancing it, Hillesden securities Limited t/a dlc Date of issue – 14 DEC 2015 What is the claim for – The claim is for the balance of installments due & unpaid under an agreement dated 12/07/2005 & under which Black Horse LTD agreed to sell the defendant goods for a price payable by installment('the agreement'). The agreement was assigned to the claimant. PARTICULARS 1. Amount due & unpaid £1000 THE CLAIMANT THEREFORE CLAIMS 1. Amount due & unpaid £1000 What is the value of the claim? £1000 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Loan for a Car When did you enter into the original agreement before or after 2007? The loan is from 2005 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. It has been passed onto Hillesden Securities Limited t/a dlc Were you aware the account had been assigned – did you receive a Notice of Assignment? Not sure Did you receive a Default Notice from the original creditor? Not sure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Approx. 2 month ago we received 5 annual statements of accounts dated from 28/09/2010-11/07/2015,they all come on the same day Why did you cease payments? It looks like no payments were ever paid What was the date of your last payment? It looks like no payments were ever paid Was there a dispute with the original creditor that remains unresolved? Dont know Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No We have not acknowledged the claim yet but I have set up the login online etc, We want to defend the claim and are going to use the statute barred as defense, I am just wondering what wording i need to put for this and should i wait the 19 + 14 days or just submit it straight away ? Also I have not sent any cpr request as of yet cheers in advance

hi all Due to a recent death in the family I am trying to help sort out the debts that they have left behind and have a few questions about it as we have found various letters saying they have some debts we where unaware of. My understanding is that debts are paid from the estate if there is anything left after reasonable funeral expenses How can I find out about everyone who is owed money to?(I have some letters but may not have them all) Is it creditors job to come forward and claim or do I have to inform them? If so how do I inform them? what happens if I miss some creditors and they come forward at a later date but there is no estate left? also there is a water rate debt in their name that has been getting paid off by their partner,would they still have to pay it as she lives in the house or is that wrote off if it cannot be paid for by the estate? If there is any other information that would be helpful please fire away many thanks

Hi all, I have been asked for some help from my auntie and i'm trying to find out any information that may help her course. I have searched the forum as best as I can but really cant find anything that exactly covers this. ...so here goes.... My uncle has just passed away and upon going through all his things she has found a boxful of unopened letters some addressed to her and some to him, most of them are request from various dca's saying she owes money for xyz accounts and threats of court action etc etc, there has also been a ccj issued as well, it all seems above board as in the initial claimant forms are there but obviously they have not been responded to as she knew nothing about them, and then the court has issued her with a ccj for £5000 saying payment forthwith, this was issued in January this year. little history on the debt is that it was for a bank account that they used for a business but it was in her name so that is not disputed but she thought it was all sorted when the business folded but obviously that was not the case. (He was in charge of the business and she had nothing to do with it as far as i'm aware) the account was originally with lloyds but it had been passed about to various dca and it is MKDP who have put the ccj in, It had been issued by Northampton court I really would like to know what our options are,and where we stand in all of this. Can we challenge the ccj or is it to late for that now? There doesn't seem to be any new letters from mkdp since the ccj was issued,is that normal? what can they do next? I appreciate this is a little complicated but any help would be greatly received many thanks

Just a quick query if any one can help; If a debt is close to becoming statue barred is it worth making a full and final offer, i think im right in thinking that on your credit file it would drop off after 6 years but if a full and final payment is made it would it stay on the credit file for a further 6 years from that date but it would just be marked settle or satisfied. hope that makes sense cheers Wato

this is the new response i have got from credit expert about the two defaults: "I am sorry that you were not happy with our previous response. When an account is taken over by another company it is possible for both companies to record the details on your credit report as this reflects the history of the account. However, the accounts in question should also show that the debt has been assigned to another company as well as showing the same original account details, for example, the start date and the default balance. In view of your comments, I am contacting 1st Credit Limited as I am unable to amend the information without their consent. I am also adding our standard dispute statement to this information. "The consumer has disputed the accuracy of this entry and we have therefore asked the provider to investigate it. Given that this data is disputed, please take care if making an assessment of any kind that may include this data." I will let you know what they say as soon as they reply." my understanding of this is that they are saying you can have two defaults for the same accounts but I still cant believe it :/ also im struggling to find the address for lloyds data controller, Is it just the generic lloyds tsb address or is there a specific department address does anyone know many thanks wato

Hi All, I currently am dealing with lloyds/1st credit over my bank account and loan which I defaulted on in 2008. I checked my credit file and basically I have 2 defaults off lloyds and now 1st credit have added another 2 for the same accounts loyds tsb current account default date 16/04/08 lloyds loan default date 16/04/08 1ST CREDIT LIMITED Current Account Default 21/04/2008 1ST CREDIT LIMITED Loan Default 21/04/2008 I am aware 1st credit were assigned the debt on 6/8/12, I pretty sure I cant have duplicate defaults so who do I send a letter to to get them removed is it lloyds or 1st credit,also are there any template letters I could use, Iv emailed experian but they have just fobbed me off. cheers Wato

after the email response from credit expert I sent one saying: "I am very confused by response, You say that only the 1st credit defaults will affect my credit rating but this is wrong,at the moment there are 4 defaults with high value amounts for just 2 accounts, and as the old Lloyds defaults still have a default balance against them and does not say satisfied or settled anyone looking at my account will think that i owe a lot more than i actually do,also there is nothing to link these accounts together they are entirely separate entries on my file and finally can you explain how the defaults from the original Lloyds date (16/04/08) are different from the newer 1st credit default date (21/4/08) if they are for the same account which they are then surely these should be exactly that same." I will await what there response is and let you know or is there something else i should be doing? cheers Wato

Hi All, Its been a while since I updated this but this is where i am at, I sent lloyds the SAR over a year ago and when all of it come through, all it had in it was all my statements for the bank account and the loan, There was no defaults notice letters and no letter about consolidating the two accounts together,to be honest iv just sat on this but now 1st credit are sniffing about and they have really boiled my **** with there underhand tactics, so it got me motivated to sort this out once and for all On my credit file it is still showing up as 2 separate accounts: lloyds tsb current account default date 16/04/08 lloyds loan default date 16/04/08 apparently it was handed over to 1st credit on the 6/8/12 and they to have placed 2 new defaults on my credit file but with different original default dates 1ST CREDIT LIMITED Current Account Default 21/04/2008 1ST CREDIT LIMITED Loan Default 21/04/2008 surely i cant have to defaults for the same thing on my credit file? and also how can there be discrepencies on the orignal deafult date if they are the same accounts? I contacted credit expert about this and this is their response: "The entry recorded by Lloyds TSB shows the name of the company that the debt was originally owed to. The second entry recorded by 1st Credit Limited shows that the debt has now been sold to another company to collect. Although the debt is now being recorded twice, only the entry recorded by the debt collection agency will have an effect on your credit rating. Both entries will be retained on your credit report for six years from the default date." This seems like nonsense to me?? Im really not sure what to do next I'm getting separate letters from 1st credit one for the bank account and one for the loan which would indicate they are treating it as 2 separate accounts,after reading many posts on the forum I'm not sure if a cca will work as it is for a bank account and a loan. any help will be appreciated cheers Wato

I'v been going back and forth with lloyds for what seems like years now, I had a Loan with them and a bank account,Fell into hard times and ended up falling well behind and ended up with 2 defaults on my credit file for the loan and my bank account. Lloyds merged my bank loan and my overdraft into a new consolidated loan without my permission and are now chasing me for the combined total, my question is can they legally do this as I never signed anything and didnt agree to it. According to lloyds they can do this without my permission but Im just wondering if anyone on here can shed some light on the situation many thanks wato

Well I'v had 2 bits on good news today,I rang up halifax to see if I would be getting a response to my LBA letter and the the bloke on the phone looked into my account and said leave it with him and he'd ring me back in 1 hour,sure enough he rang back and offered me a refund of £300 of which I accepted,I know I could of got abit more If I had pushed it but all in im quite pleased with this to be honest. Also recieved a response about my PPI claim in the post, It says that "they have completed their investigation and agree that the policy may not have been suitable for me, and have aranged their redress team to work out how much Im owed that would put me back into a position had I not taken the insurance" It goes on to say I should recieve an offer within 10 days All in a very good day for me Just want to say a big thanks to everyone whos helped me with this cheers Wato