What does IND stand for please?

Hi I was wonderin re above where it's advised to send the SAR request to the Original Creditor (in my case Marks & Sparks from 1998) yet I seem to think that somewhere one on this forum it was written to send it to the person who had been assigned the debt or last person who send thedemand. Am I getting confused or mixing that up with a CRA? Thanks:???:

:whoo:Hillingdon Council letting my hubby off with a parking ticket. Parked at Sainsburys on way home and didnt realise u still have to get a ticket for free 1/2 hour so traffic warden told him to appeal as he was a stranger to area He did and they let him off

PS Sorry about the spelling but keyboard playing up..again

Thanks BrigadierJCS. Just wondering if they would have to send me a coy of he default? and how does it affect the 6r statute barred. Would that still run from the last payment date or would it start from the default date. Hoping you can help on this. Confused again:oops:

Hi I was wondering, after reading a couple of posts, can a DCA issue a default notice or is that only the OC who does that. How many defaults can be issued to the same debt and if a DCA enters one against you without letting you know is that illegal? Thanks:???:

:whoo:My friend just told me this. She was getting harrassed by phone calls so what she does now is says "just a minute I'll get somebody (No Name)" then puts on a fake chinese accent and says "ooooo you order chopsuey, curry...whatttttt you order etc etc." She says it really p****s em off as she can hear them in background lol lol

THanks will do

Hi CitizenB You advised to check your CRA I have also checked my CRA (?) from Trust but it only shows 1 judgement which has been satisfied. There are no details, payments, default noties etc am I checking he right info please? Thanks Confused

Hi They say my daughter made a payment but refused to give details. Have vague recollection but no paperwork, believe it was before 6yrs ect. Sould I send them a stat barrd letter anyway, maybe then they'll tell me about this payment. Also who shld I send it to Global say they are agents for their client Experto Credite. OC was Marks & Spencer where I took out CC in about 1998. Many thanks for yr help

Daughter just arrived home from work. She seems to think it was just as we moved to this house so probably about 10-11 years ago. Thank you everyone. Hi Just for peace of mine I checked my previous address and there was no judgements registered on there either so that's one thing off my mind anyway.

Hi I've checked my CRA and it's showing 3, 1 is satisfied and the other two are creditors which are just about paid up (Aug 2012) which I know about. The dates on these three are 2008, 2008 & 2010. There is nothing for the amount they are asking for i.e £700.88. When I did the check I did it for my current address where I have lived for 12 years. As this c card was a really old one should I check my previous address? My daughter wuldn'have kept bank details as far back as that (lol) and I think she has changed her bank too. What do you think my next step shld be? Just looked at original letter from Experto Credite which says they have taken over form Intrum Justitia. The last one from Global International says that they are "agents" for their client Experto!!! Thanks PAm56

Hello everyone. I'm new to this site so still finding my feet. I've read so many articles and whilst great advice I still have a few questions. To be brief Got phone call in Nov 2011 from Debt collectors asking for money owed to M & S (opened account around 1996) Didn't admit it was mine as frankly couldn't remember that far back (at my age takes me all my time to remember what I did last week) They said my daughter had paid £100 cheque on the a/c. I have a vague memory of this altho' they wouldn't tell me when. I said I did not owe any money and to prove it. Last I heard until last Wed when I got a letter fom Tower investigations. I wouldn't confirm name or birtdate just gave them the ref no as I hadn't a clue what they wanted. They said Global Debt recovery wanted me to call them so I told Tower I don't take phone calls. Today got a letter from Global demanding money or furter legal action. Thing is I can't remember when daughter paid the £100 so not 10% if this is stature barred. I believe it would have been early 2000/2001 etc. How can I find out please? Will a CCA show this payment? If it is before thesix yr rule can I still go for the statute barred and does the six years go from this payment. Sorry to ask so many questons but I haven't a clue. Thanks Old & Clueless:|