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  1. Thanks just looked at that. im unsure why showing on Clearscore as active but not on Experian. On the Statue barred letter I have been in contact with the Owner in the last few years but not acknowledged the debt is this ok ? Thankyou very much
  2. Hi Re the above default notice showing Active PRA Group on 1 credit file ( clearscore) registered 5th April 2017. however I cannot see this on Experian. I have routed out the Sar paperwork and Lloyds advised PRA that the default was issued on 5 Feb 2014. It shows in the comms log. I am therefore unsure if Clearscore should still show as active I don’t think it should. many Thanks for your help
  3. Ok will do thanks. That’s what has thrown me I thought the default could only be dated at the time the account went into default not when it was sold to another dca. I will check the comms log thanks for your help
  4. Thanks for this information it’s helpful i thought the default was from when an account defaulted so 2014. Not when it was sold ? Is that correct ? it’s just that now I don’t know if the default has ended in MAr 20 or not now until Mar 22 ? Thanks
  5. Hi Thankyou for your response yes it is ! I sent of a SAR and within the comms Log Lloyds advised PRA no CCA or paperwork available . hence account unenforceable. The default is listed as PRA so does that mean it’s active ? I can’t see a default for LLoyds on there. I will follow your advice Thankyou
  6. Good Evening, Please may I ask for some information re default markers on Credit Report ? I had a CC with a Bank default around Jan 2014. Nothing was registered on my Credit Report The debt was later sold on a few times. Eventually to PRA in 2017 where it is unenforceable. On my Clearscore report that I have recently downloaded it says “ In default PRA GRoup 5th April 2017”. when I click onto this it shows no markings on any month from 2014. so my question is can PRA register the default from 2017. I’m unsure if it drops off from The bank in 2014 or after PRA registered in 2017. thanks for any advice you can give
  7. NO problem Thankyou I wasn’t sure if they had to provide some kind of info at the time re exclusions. Thanks
  8. Thankyou for that, so even though in my letter they say they have checked records from that time and I was eligible and the premium would have paid out under sickness ( even though the sar says they don’t have any records). thanks for your advice.
  9. I have received my Sar info back finally. Advised I especially wanted the Credit Card agreement / Terms and Conditions. ( As I wanted to see if there was any info regarding excluding medical conditions from the PPI claim as I have Epilepsy). Have received all data back including statements ( only available from 2011) not held between 1998-2011 it says. they say they don’t have my CCA adding though that they would have required sight of a signed agreement. They haven’t put anything about Terms and Conditions so I can’t check whether Epilepsy diagnosis would have been excluded. Is it worth me appealing this to the FCA on the grounds the cover wouldn’t have paid out or not ? I have been offered plevin at £1400 but a full payout would have been a lot more this Ian when i am querying. Thanks for any advice you can give
  10. Yes i did which he confirmed they have . I will have to pop to the bank then thanks
  11. Sorry meant FOS ! Auto update. I’ve read the Sar post can’t see thing about it going to lloyds bank to prove identity I have already sent themselves utility bill asked on phone if I could email Council Tax or passports copy told no have to take proof to bank to be signed in person. Then 30 days begin. Very annoying given I’ve waited over a month already.
  12. HI @dx100uk please could i ask ask your advice ? I sent Sar req to mbna re the above. MBNA have taken over a month to replyi need to send proof of address utility bill or passport to Lloyds branch to be verified. however I sent them a Utility bill with my request due to fact MBNA account was at my old address with parents. I have rang them to advise already sent Utility bill, they are saying I must go to branch with my ID so they can see me in person and only then will they start the 30 day request period. Os this correct ? It runs my time down if I need to Send to FCO. Thanks for yor help
  13. 07-11-2019, 17: have attached thanks. Ok so no point replying that I had long term health condition then ? And accept the Plevin instead ?
  14. Thankyou I was asking really if because I have Epilepsy this would have invalidated my point policy and therefore been a reason to argue the policy wasn’t suitable for me. i haven’t had a chance to advise them of this yet as they sent the refusal letter 2 days after the Questionaire came. Im not sure if when I applied via postal application in 1998 it would have asked about medical conditions. i am trying to upload the letter now but struggling
  15. Hi please may I ask for help from anybody else who has had experience with MBNA PPI. I took out PPI on a Credit card in 1998, card running until 2015. i applied for PPI refund just before the deadline. It has been delayed many times, a few days ago I received letter with the a questionnaire to fill out. I haven’t had chance to finish this yet to return but today have received a refusal. Based on it was a Postal application which you purchased PPi on same day. We did not provide any advice or recommendations when you purchased the policy The conditions stated you had to be 18-65 and a UK resident in permanent employment. I have checked our records and am satisfied but you were. at the time you purchased it was 68p per £1.00 of the statement cost. If you made a successful claim the policy could cover at least 3% of the balance in a statement period. This could have been paid for up to 12 months per unemployment claim . in the event of a claim it would have been paid until you returned to work. i believe you would have received benefit from the PPi policy in the event of sickness, unemployment or hospitalisation and im not persuaded at the time that you had sufficient meanS to cover long periods of payments if needed. in Addition Any other sick pay or benefits wouldn’t have prevented you from making a claim under the policy There were no other terms, limitations or exclusions which were likely to have prevented you from making a claim under the policy you could cancel at any time. ............... heres the situation they have awarded Plevin however I suffer from epilepsy and am unsure if this would have invalidated the cover ? Also would a postal application have asked me for any medical conditions back in 1998 I just can’t remember ? Thankyou for any help or advice ad
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