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About thenorms

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  1. Hi, My Amex card account has been showing status of "delinquent" for a couple of years. I have other cards and loans which all defaulted in 2018/2019. The Amex card has just changed to "default" this month, meaning it's still going to show on my credit report for a couple of years after everything else has dropped off? Anything I can do about this, to get the default date amended - technically it should have defaulted at the same time as the others. Cheers
  2. I have a number of cards and personal loans that began defaulting 2-3 years ago. However, my AMEX card appears to show as "delinquent" on my credit file. Does this mean it could potential remain in this status for ever (unless paid) or will it disappear along with other defaulted accounts after 6 years? I make a token £10 payment monthly. And I am being chased by a debt collector, although it doesn't appear that the debt has been sold. Can I request/force them to default the account? Any help appreciated.
  3. Thanks for posting Thorgan. When you say your friends looked into this - do you mean that they communicated or negotiated with the law firms? Or did they just ignore? I hadn't considered that they might be purchasing data for this, very interesting.
  4. Thanks Andy - can I ask why you suggest that you would write to Buckles? My feeling is more like Bankfodder suggests - don't respond. Surely by opening communications that will give them a bite, and they will then push for an offer of payment or an arrangement - whatever their next step is? Or, are you suggesting that to push back and ask for details of court action etc that will put them off as those things possibly/probably haven't happened? cheers
  5. Thanks for everyone's input so far. What seems clear to me from further digging is that nothing is very clear! I can't seem to find out what the result was for the couple in Wiltshire who had their UK home under threat in 2010. There have been cases in Courts in both Spain and Portugal where the Courts ruled that the return of the property is enough to extinguish the loan, rather than the individual remaining forever liable. These may have been overturned in higher Courts though. And various other cases have challenged the notion of various unfair terms in Spanish mortgage
  6. I was able to convert the PDf and paste below. We act on behalf of Banco de Sabadell S.A. (Banco Sabadell) in relation to the recovery of monies owed by you to Banco Sabadell. On xx.xx.xx you entered into a loan agreement with Banco Sabadell. You have failed to make repayments in respect of the loan. Banco Sabadell has commenced proceedings in Spain to recover the debt of more than xx,xxx owed by you. It is now essential that you take immediate steps to bring your account up to date as a matter of urgency. Whilst Banco Sabadell understands that your failure t
  7. Thanks for the replies, but the Scudamore link posted by Andy states :- "Accordingly, the limitation period for actions for breach of contract which arose before 7 October 2015 will still be 15 years, but 5 years for those arising after that date." So if the breach was the default in 2008, wouldn't the limit be 2023?
  8. Hi, does anyone have any experience with EEO's? We gave the keys to a Spanish property back to the bank at the height of the crash in 2008, came back to the UK and started to rebuild, and didn't think much about it again - a "live and learn" experience. We have just had a letter from some UK lawyers acting on behalf of Banco Sabadell, with what seems to be a fairly generic letter, with a few details and some slightly strange language like "Banco Sabadell understands that your failure to make payments may have been an oversight on your part" - a 10 year oversight! They are claimi
  9. I had no idea that the day/night switcheroo was a thing. I have now dared to have a look at the revised bill on my account, all 26 pages of it. I always find these bills a bit difficult to follow, but it appears that since 2013 they have credited an amount off each bill, and introduced a revised amount, which all add up to the total that they are asking me to pay. I'm certain that the first person that I spoke to in customer services, who instigated the investigation/complaint on my behalf, told me that I need not worry as I wouldn't have to pay for their error. And another CS i
  10. Most of the debts are still with the OC. A couple are being handled through DCA's but I am not sure if they have been sold or if they are acting for the OC as a client? Will any correspondence be specific about this? Nothing is showing on file as defaulted, although one or two, such as MBNA are saying I've missed 5 or 6 payments now. I have paid them something, just not the requested amounts.
  11. It's with Scottish and Southern - SSE. They had the meter readings the wrong way round for some reason, and every time a reading was taken they fudged it at their end to produce our bills and estimates. This had been going on since before we moved in 6 years ago. I had got a bit behind with monthly payments and thought I had arrears of about £800. When I called them my meter readings made no sense to the agent so she went off and started an investigation. When this concluded they gave me the good news that they had been doing it incorrectly and were writing off £10k of historic
  12. I've been writing to and arranging plans with other creditors for several months. I hadn't had a meter reading for some time and my electricity supplier have just presented me with a large bill. So it seems my regular electricity payment hasn't been enough to cover our usage, so I need to increase that, but also now need to deal with the arrears. Is this now a priority debt? Do I write to other creditors and reduce my payments to them? cheers
  13. After submitting income and expenditure form, I have a lender asking for 2 months bank statements "to validate the information on the income and expenditure form" "We would require this information in order to agree a potential reduced repayment plan." Am I under any obligation to provide this?
  14. I arrived home earlier this week to find a Marston agent sitting in his car across my gate. He had a warrant and was collecting £393 for an old speeding fine that I knew I had finished paying off, and told him so. Usual intimidation, he was only acting on the info he had. I should pay the fine now and then appeal it. He'd already filled out the form for the next stage which would mean another £600. He said he had a team "following him around" to seize goods, which they would do the same evening. So I coughed up the £393. Then I emailed the Court who had issued the fine a
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