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About topbanana1971

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  1. Your agreement is allegedly null and void because of the PPI. You should either contact the FOS about removing the PPI or see into a third party rendering the account unenforceable. I went with write your loans off in manchester and they secured me £18k back plus my PPI! Small fee to pay to have your creditors off my back now. Hope this helps!
  2. Dear Sir/Madam Acc/Ref No xxxxxxxx You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves. We would point out that under the Limitation Act 1980 Section 5 “an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.” We would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that “it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation
  3. Limitation Act 1980; Its statute barred after 6 years of no contact about this loan. Presuming by your shocked response you havent been aware for many years about this? This is Section 9(1) of the act:- Actions for sums recoverable by statute 9 Time limit for actions for sums recoverable by statute (1)An action to recover any sum recoverable by virtue of any enactment shall not be brought after the expiration of six years from the date on which the cause of action accrued. Not sure about the benefits issue. Perhaps it would be better to speak with your family to make sure th
  4. OMG! Yeah, I'll just say mention the name Mrs Anderson, Mine is just coming through, I cant say who my lender is some sort of Gag thing. They settled out of court. Took some getting going but once off it was all go. I paid £60 which I was told was refundable and secured and extra £5k back they took a fee but it was well worth it to me. I'd recommend them!!
  5. Dependant on who you choose as a third party it takes the hassle out of doing it for yourself. They have the expertise and takes the pressure off you. I have gone with a third party and they have been great for me, I've had an £18k secured loan all back!!! All legal costs were covered by insurance and PPI was added to this also. Quids in for me! Total cost to me was £195 quid. Well worth it!
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