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About learningtofly

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  1. Many thanks - that is re-assuring and helpful! So they just vanish from credit files. Assume this is why the letters (which were previously up to 2 a month) have stopped - with none received in over a year. So the last one that will reach 6 years next month........how long does it / should it take until this disappears? Should it be on the date...within days, weeks, or does it depend case by case?
  2. Hi all, Wanting to try to reclaim PPI (and possibly late payment / exceeding limit charges?) for my girlfriend and confused about exactly how to do it? Have just tried to look around the forum but there are so many links and reems of information and I am not sure exactly what to do. is there a simple step by step guide relating to the below?..... Have been sat on a lot of this info since 2012 when we sent SAR requests - with the intention being to try and sort out her credit rating (due to previous defaults entered relating to the accounts below). We haven't followed up
  3. My girlfriend had a number of debts from 2008 and before. She totally ignored them and didn't know what to do and how to go about addressing any of it. Thanks to some very helpful information from this forum - we sent SARs and got back lots of information in 2012. We decided to "sit tight" with everything and wait things out until they became statute barred. As far as I can tell (having waded through the reems of information sent back) they are statute barred now (no payments made in 6 years +).. .with the last one to become so next month - July 2015. This
  4. Are you suggesting I email the chief Exec first? Or do the whole SAR thing first, or ring them? Do I need to collect evidence first or what? Just not sure of best way to approach this.....and want to get it resolved asap as we were intending to start mortgage hunting/applications in August?? Thanks. Sorry for being a bit clueless?!
  5. Just looking for some advice for my girlfriend..... She has a phone contract with Orange, and has for a couple of years. Has recently migrated to EE. She had a direct debit in place in 2013 to pay the monthly bill, then for some reason (don't know/can't remember why) this ended up not being in place in 2014. Through the year she kept ringing up each month and paying the bill (on time) over the phone. I told her to get the direct debit set up - and she repeatedly rang Orange, said she wanted to se up a direct debit for her monthly bill - and gave them her bank details on the phone
  6. RE: erasing details? - If I get my money back, and the dealer has the car and the doc with my details taken off it...are the grounds for an issue in any way? Appears the car was never sold to me......or I bought it...then changed my mind - and dealer had filled in my details then had to erase my details as didn't complete the sale? RE: Destroying it? - Likely to cause me an issue though when going in to get my money back and give him back MOT and other car docs..... As he will ask where V5 is....I will say what? "I've lost it - you will have to apply and get a new one?" Can see thi
  7. Will try to be brief: Bought a car circa 7 weeks ago for £2000. Dealer gave me a receipt. Also gave ME the entire V5 to fill in and send off! Within days I thought that there were issues with the car. I had filled in the V5...but did not send off. I figured at this point (perhaps somewhat misguided?) that if the dealer refused to carry out repair work to make the car right....I might stand a better chance of getting a refund and giving the car back if I told him he could have the V5 back - tipex my details - and so hence not record another owner on it - who then would look like
  8. Thanks!! I hope/think?! So letters of different types will just continue - but they won't actually do anything further.....no matter what? I understand that this means waiting on it until 6 years of no acknowledgement of debt / payments - so to 2018.......but I can likely convince her to sit tight if thats really the case? Is this similar / the same (sort of logic/situation-wise) as Private Parking Companies - and the "charge" notices they give you.....which are then followed by ever increasingly serious and threatening letters and demands, then from solicitors, then final dema
  9. "I would suggest writing to BCW simply stating that the alleged agreement does not comply with the terms of CCA 1974 and has been rejected and the account remains disputed and no further correspondence will be entered into. This is a deadlock situation imo." This made me think that we can send a letter - and then just sit tight until 2018, and then the alleged debt becomes statue barred? Given they will know this, do you think if we offered a very small sum as full and final settlement they would take it? (Girlfriend doesn't really understand the ins and outs of all of this
  10. Last payment was April 2012. Balance was about £3000 when passed to HFO Services – 2nd May 2006. Over time girlfriend has paid off (to HFO Services) a total of about £600. So due to payments made it apparently isn’t statue barred…..and won’t be until 2018. So total remaining is about £2400.
  11. Hi again. Yes, I realise there can only be one default date. My stating of, "Defaulted January 2005 according to paperwork that came back with everything they sent after I sent a S.A.R to them…although it’s a bit confusing. Could be June 2005. Balance was about £3000 when passed to HFO Services – 2nd May 2006", above wasn't too clear, sorry. By this I meant that the paperwork recieved in response to S.A.R suggested Jan and June 2005. Probably just unclear though......Jan 2005 makes more sense - with the passing of the account to HFO in the May 2005 thus after the default
  12. Hello I realise I made this thread over a year ago for my girlfriend – but haven’t followed up in a long time. We got back information following S.A.R request, but everything just seemed so confusing and haven’t really gotten anywhere with anything. Summary is…. Barclaycard Debt: Defaulted January 2005 according to paperwork that came back with everything they sent after I sent a S.A.R to them…although it’s a bit confusing. Could be June 2005. Balance was about £3000 when passed to HFO Services – 2nd May 2006 Over time girlfriend has paid off (
  13. Images don't seem to be coming out clear/large enough - is there a better way than the "inset image" icon in the reply controls?
  14. First reponse recieved following any of the SAR and CCA requests we sent. From Barclays in response to SAR request. Pretty annoyed! I sent the standard template letter - along with added detail as per another template letter I found somewhere else on this site (just spelling out exactly what bits of info we wanted from them). They have replied with what looks like a template letter - referring to our request being in relation to a claim for the sale of PPI. I didn't mention this at all in my SAR letter to them! More annoyingly - they've stated that they've returned the
  15. Can the SAR and CCA requests be sent in the same envalope to Natwest and Provident? Given that my girlfriend also has an active current account and linked savings account with Natwest - is there any possible issue with sending these things to Natwest? The ultimate aim in all of this is to get her credit record clean - and to ascertain if there are any debts which need settleing - and to do so if so. Currently there seem to be things to consider regarding the old Barclaycard and now the newer Natwest credit card and this Provident Home Credit default.....whatever that is.
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