potnoodle
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This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
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Thats great news I can stop stressing on that one at least many thanks
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Ah ok, so it's not all done and dusted the day of the hearing then, that's great news means i can exchange in mid November as planned. many thanks!
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Ok thanks again for replies thats reassuring knowing I will have 28 days if the worst comes to it my buyers will have to bring completion date forward and I will have to pay their rent for a month, but being over christmas hopefully it won't come to that I guess I am just over worrying but sods law and all that huh! Thanks again
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Ok, if they do issue a claim though, i assume there will be a court date? if this is before 10th Jan can I stall them by asking for the CCA which would change the court date? or could I ask for the hearing to be put forward until i had gathered the information i was requesting?
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So if i can stall exchange until the end of November, if I havent heard from them by then the chance of them getting a charge on the property by 10th Jan is very slim?
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If they dont catch me until April 2014 how does that change things with new legistlation?
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Hmm both the AK ones are down as started in Oct 2012, even though the debts are much older than that so would the cca request thing still work? the other ones are nov 2007
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DX i wasnt going to i was going to hide but it appears that strategy is flawed!
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What does a CCA request do though if they can just come up with a reconstructed one and the Judge allows that?
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Santander default was march 2012, last payment october 2011
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July even
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I have a letter from June which I didnt bin offering me to keep making the old payment plan payments of £22.48 a month...should I accept for the short term?
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Default for the MBNA was oct 2012 i havent paid anything since
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Ok thanks, so if I dont phone them what should I do now to stall them incase they go to court after exchange?
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But the santander one has already been out to DCAs for over a year and just come back to them and been written off, why would they send it back out again?
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Thanks, ok I have my credit report from Noddle, so what should I do now? The two MBNA ones are with Activ Kaptital, do i ring and make a payment plan just to stall them until after completion? Same question for the others I guess!
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DX when I spoke to Santander today they said it was written off and i wouldnt be chased again, it had gone out to dcas but i didnt speak to any of them so it seems the last dca sent it back to santander and they have binned it, am i correct in this?
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Ok thanks should i use noddle to do this? I wasn't sure if the debt companies monitor who are logging in to see if you are still around!
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Thanks agian for reply, I think I am worried about checking the enforceability as I dont want to have to speak to them but I guess I really should. I have thrown most of the paper work I get in the bin as the debts seem to keep changing hands all the time and I get depressed about having the letters in the drawer, should I ring the original loan company to find out who owns them now? Also what are my grounds for checking the enforceability, i s it just if they have a copy of the CCA? I have been reading things on line that state there is a case that even if they cant produce the original CCA they can come up with a reconstuted one which courts now accept?
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Thanks for replies, debts/cards should I say were taken on around 2006, I havent had any court action yet, just threats of or offers of reduced settlement by DCAs which I always ignore, as I dont give a flying fart about my credit file due to never planning on borrowing again! As long as they can't stop me from completing on the 10th January I am happy for them to try and find me at my new address/give up, just wait it out until the 6 years statue time limit rather than go through the whole CCA thing, I don't want to speak to any of them because as I have seen as soon as you contact them they go on the war hunt aggressivley again hence I dont even answer the home phone anymore. I just wanted to make sure they cant mess up my house sale, thats why I called one of the DCAs today actually as I have been really worried they could be pushing it to a Court order, then found out it had gone back to the original bank Santander who I rang next to be told it had been written off Do the DCAs have the power to take me to court/are likely to take me to court or is only the orignal credit company - also, if the DCA i spoke to today gave the account back to Santander, I assume that means they didnt buy the debt, do some buy them and some just get given the option to chase and get a cut if they get the money? S
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Hi, I have 4 oldish debts - one credit with barclaycard for £4k, one overdraft of 2k from santander, and 2 MBNA credit cards, of £3800 which I think was Virgin and I think 3k is from Alliance and Leicester. I did have a 2.5k one from santander credit card but rang the debt collectors today to try and sort it out and was told it had been given back to Santander, who said the debt had been written off (result!) The debt collection company last phoned me on 3rd Oct and my messages have been full since so must have been a recent write off. I am in the middle of buying/selling a house to try and get mortgage free, I am buying for £185k and will have about 3k left over to update etc. Now I am really worried that the creditors might go to court a nd put a charge on my house after exchange, which means I wouldnt be able to complete. T he debts are around 4 years old, I did have a payment arrangement going through one of these charities which I paid 130 a month between all 5 of them, I cancelled this a year ago as I just couldnt cope with even that amount due to divorce, a nd have avoided/ignored all phone calls/letters since. I have had letters offering a discount so I assume the charges/paperwork could be challenged which is why the credit companies havent taken me to court? I have ignored these too. Could anyone give me any idea of the likelyhood of the credit companies putting a charge on my house by 10th January? We are hoping to exchange in the next couple of weeks and complete on 10th Many thanks for advice Vanessa
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>if it got to court your interest and cost would far outweigh the original 40 you owed do you mean the interest and cost to me if i lose?
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just to explain, the monthly interest on the original £40 put me over the buffer of £50 in february this year i think, and it seems there is around 100 a month charges going on.
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just to explain, the monthly interest on the original £40 put me over the buffer of £50 in february this year i think, and it seems there is around 100 a month charges going on.
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