Ah but if I didn’t pay PRA group could they default me?

Yes if defaulted but my non defaulted ones sit there

Oh I don’t have any statue barred or any that will be

Sorry I still don’t follow and what’s sb

Sb date sorry don’t understand ? Ye I’m holding off paying them

I know but I could pay all my debts that are AP markers in the next 2 months then they are defiantly gone 6 years from then instead of fighting to default -and can PRA default me as a DCA? Hmm in a quandary. I am not going to pay them This month and instead wipe my virgin card I am then only left with the 2xPRA group debts at £1300 each with AP markers and the rest AP marked are gone. I’ve just reopened my complaints to MBNA, Virgin and Sainsbury’s for not defaulting my accounts. If I don’t get the correct decision this time I am complaining to the ICO

Well yes because from true SARS info I got from Halifax (where my Link loan debt come from) I’m pretty sure Halifax have the CCA so don’t understand why Link haven’t sent it me, maybe it will come. Im in a quandary with my two PRA group ones as these aren’t defaulted and putting AP markers on my account so wrecking my credit file if I don’t pay off, I wonder if they have become wise not to default now that’s why some companies aren’t

Update CCAs send to PRA group x 2, Wescot/Link and Intrum. It’s been 12 working days and none have supplied me with a response or anything to say the debts are enforceable

Oh yes, I’ve asked or 3k in total with interest for two accounts just shame can’t do with all the interest I’ve paid on my loan

I have been through all my bank statements provided by Halifax and I only have arranged overdraft fees and some unplanned overdraft fees these total around £1900. I have requested Halifax repay them back to go towards my debt as I am in financial hardship don’t know if I’ll get anywhere. I used the details on the Martin Lewis website. But other than that I don’t have any charges from Halifax

Are planned overdrafts fees ok? It’s just late charges I’m looking for ? Thanks

Thanks I’m going to go through it thanks both for all your help

It all happened very quickly and I’ve kept paying so not statue barred . soooo much paper work it’s all very foreign to me but they have included codes and explanations

Ok, how do I know if it a lawful or not late fee?

I have and read the SARS link and I am still struggling with what I am looking for

HELP! i have just received about two phone books worth of info from Halifax after my SARS request, what am I looking for ?

Yes think I will for at least a year

No I just got 2 piece of payment statement, strange. No Link have not returned my CCA but it is only one week since they received it.

Update I offered £2800 and link responded with a 25% discount. 5% improvement. Told them I can’t pay above £3000 and have been advised to apply for a DRO

Request a SARS from Halifax from my loan and all I have got in the post with no covering letter just a couple of sheets of a run down of my loan payments/a statement, is this what I should expect?

Is there a new ICO rule change ? i think I’ll try again, why not, I have the summer off so I’ll give it another go. I have an advantage with Sainsbury’s I think, they insist on doing everything on the phone even when you ask in writing (they send you a letter saying to ring ) the lady on the phone convinced me I didn’t need a default as argued against what I was saying about AP markers saying it was not true. I am going for them and insisting all done by letter

Sainsbury’s virgin MBNA x2

I feel my only option with the AP markers is to pay them off, I have tried numerous appeals and complaints to get them defaulted and all 4 have rejected as I have continued to pay . I will have them all paid off by the end of this year but means until 2027 they will sit there rearing their ugly head at every lender. I’ve read up and can’t see any way of changing this. I think I will have go the way of a heftier deposit and adverse credit mortgage and remortgaging. Time isn’t on my side as I am 36, I would like to be on the property ladder by 40.

I would be looking at help to buy as I am a first time buyer. so forgive me if I sound like a stupid broken record (I am well aware of this). If my defaulted accounts drop off with amount still owing will lenders see I still have an amount owing or am I better putting my 12k towards a mortgage than to them ? Thanks

Wouldn’t I have to go through a broker to get a mortgage with adverse credit. So My defaults drop off jan/feb 2023 does this mean if they drop off owing lenders can’t see it?