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  1. Hello, thanks for reading This matter relates to an old style loan of about 2k taken out in 1991/2 and consistently deferred until 2013, when I moved abroad to work (still earning under the threshold) and my deferral form went missing. I then forgot about it as got ill and depressed..(have medical evidence to back this up) Moved back to UK in 2014 and was unemployed for nearly a year.. so have never earned anything like the threshold limit. I also turned 50 in 2014 (am now 51) So, the long and short of it is, Student Loan Co wrote saying I was in arrears, then threatenign court action. . Now it has been passed to solicitors and a case has been opend at County Court I may have forgotten one deferrment form and defnitely sent one that they claim they never got. . But in any case, I turned 50 wouldnt the debt be wiped? And if I can prove I have never earned above the threshold, will they still have a case against me? How do I defend it? Is it now statute barred ? or has deferring it (until 2013, they claim was the last deferral) meant that it is no longer under the limitations act? I'd welcome your advice, have acknowledged service of court docs, giving myself 28 days to prepare to defend Abby
  2. I bet this is already on this forum but if it is not this may help persuade a judge or help in your argument. The first ever PPI case was in 1992-93 (Bristol CC 93/10771). The case involved L W Price -v- TSB Bank PLC. It was judged that the total payments of the Insurance Premium were almost as high as the total benefit that could be claimed. The case was won. A 10 year non disclosure clause was put in place as part of the settlement. After 10 years, a copy of the judgement was sent to the OFT and CAB. Soon after, a super complaint was raised.. Hence where we are today.
  3. well I lost my house in 1992 yes 1992, the halifax sold it for £21,770 a shortfall of £17,330, anyway fast forward to may 2012 and walker morris suddenly decide I have to pay the shortfall there has been no acknowledge of debt in fact no correspondence since we left the property in 1992. anyway after receiving several letters from Walker Morris demanding full payment of the £17K otherwise I'm going to court/doorstep collectors sent to recover money etc etc. they sent a letter last week saying that the Halifax will accept £225 as full and final settlement, I have never wrote back or phoned, knowing that this is statute barred (under mortgage lenders rules which Halifax are signed up to) under 12 year rule. amazing that after demanding £17K for about 4 months they suddenly will settle for £225 I'm so tempted to offer 1p as a full & final settlement, but will sit back and wait for their next amazing offer. They do cheer me up with their letters one threatens all sorts, next is income & expenditure sheet saying they want to help, followed by we are sending it back to Halifax BS, then the threat one comes again and we go off again with the cycle one a week, until this new one came with their generous offer. Will keep you posted
  4. Liverpool city council are pursuing me and my husband for unpaid community charges dating from this time 1991/1992.. .. They say a liability order was granted in 1995/1996 AND PUT IN THE HANDS OF JOHN CRILLY AND SONS BAILIFS....... .. I have been in dispute with the council over these claims for a long time me writing to them and them replying through the complaints procedure and out of the blue i started getting letters from a debt collection agency (newlyn) asking for me to pay and i wrote and explained to them that i was still in dispute with the council over this matter and asking the council to provide the liability order.. . After several letters going back and forth not getting any questions answered i have heard nothing since january of this year.. . Out of the blue yesterday a bailiff knocked (rossendales) at our door and said i owe x amount community charge and can i pay it.. ...i told him that we disputed the owed money and had been in contact with the council over this and as far as i was concerned thought it was sorted. He said he would sit in the car contact the council and write me a letter would post it through the door when he had done this it took him over an hour with him sitting in the car outside my front door... .. He never showed me any warrant or liability order and the letter states that hi is going off a liability orders dated feb1995 and april 1996. ..the letter also states i have 5 days to pay the outstanding amount also i must mention i am disabled and am worried that they might take my car...... Can they still do this if they cant show me a warrant or liability order i firmly beleive i do not owe this amount please please can anyone advise me asap thank you
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