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Everything posted by Fridge03

  1. Hi all, After more great advice on top of what I have already received from here. First issue: I sent a bog standard prove it letter to BPO Collections this month (using template from either here or National debt line). Apparently they now own a debt from Motormile Finance/Lantern. I think I took a payday loan out in 2011/12 with CFO, who went bust, debts purchased by Motormile, who changed names to Lantern, who have assigned this to BPO. It becomes very confusing to keep track of name changes and who owns who. The letter I received back sta
  2. Ok. So send them the statue barred letter as I’m pretty much 100% certain this debt now is. This should stop any court proceedings. As I guess by what you said in post 6, by not telling them at all, they will still go to court and it could still go through if I don’t do anything about it?
  3. Well I believe a debt becomes statue barred if 6 years have passed from the last date of cause of action. When it becomes statue barred, it still exists but prevents court action being taken to recover the debt? So in this case, as I made no payment to the debt and made no contact the cause of action date will be the date of the first payment. Which I believe was a month after the start date. Roughly end of Jan/start of Feb 2012. This means statue barred date Jan/Feb 2018. I received the letter of claim in Oct 2017 and had till end of Nov 2017 to reply. I didn’t (as I didn’t underst
  4. So it can become statue barred right up until the court date is issued?
  5. Does a letter of claim not mark the start of court proceedings? I know they have 6 years to get a CCJ before it become statue barred but what is the point they need to get to in that time? Do they need to have a court date for example? Does that make sense?
  6. Hi all, Some help and advice would be amazing on this! I have a defaulted payday loan with Instant Cash/PayDay Uk which is now owned by Prac/BW Legal. The account started on 10/01/2012 and the default occurred on 1/7/2012. I did not make a payment at all towards this or respond to any letters or phone calls. As you can see this debt is very close to being statue barred, if not already. I went through some old documents and discovered a letter of claim from Prac/BW Legal for this debt. This was sent to my current address (which was different from the address on the account,
  7. That's what I thought. I gave all the details of the idiot who hit insurance, including his policy number etc to Lloyds. Surely that's enough? Surely they should have contacted his insurers to sort all this?
  8. Hi all, So a bit of a story so I'll try to summarise whilst keeping main points. Kuga on 3 year finance from Ford. Finance and V5 in parents name. Car Reg date 30th June 2015. Myself as main driver and policy holder. Policy through Lloyds (Covea underwriter). GAP not taken as policy has New for Old for vehicles less than 1 year old. Drunk driver (who has now been prosecuted) crashed into my parked car, writing it off on 11th June. He was fully insured Lloyds collect car, deem it right-off and pass to underwriter to handle. Covea collect car from them and co
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