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Hi, Could someone point me in the right direction as to my problem I took out a car loan in april 2004 from lloyds bank due to unemployment ceased making payments in june 2006 the loan was for 4 1/2 years. I have had dca chasing ever since, in september 2014 i wrote to them stating that the loan was statue barred have now received a summons , In a letter to me the solicitors state that the default date is when the original debtor was entilted to demand payment ie at the end of the loan october 2008 , I received the summons september 2014 also stating that there is case history ie bmw finacial v hart regarding this date, but i thought i read somewhere that this had been overturned Could anybody tell me what the present situation is regarding this
For those who don't know me I have had the lovely dealing with a company called Wage Payment and Payday Loans Ltd ran by a man (I wont use the word gentleman as he certainly isnt) claiming that I owed money, to the extent of him placing a claim against me, which he later retracted after proving to him that I did not owe a thing, did i get an apology from him? Nope I got a phone call from the police stating that I was harassing him and sending threatening emails??? (the post is here -- its lengthy: http://www.consumeractiongroup.co.uk/forum/showthread.php?297067-Company-says-that-I-owe-them-money-but-have-no-idea-who-they-are...-is-it-a-con&p=3322946&viewfull=1#post3322946) Anyway, In the past 7 days I have received 2 emails from a company called DOSHLOANS.com whom are infact Wage Payment and Payday Loans LTD. Now first email was received 13th November - there was an un-subscribe button on the email - so I clicked it and un-subscribed, but I also replied to the email CCing the alleged email address that I was supposed to have used to register with DOSHLOANS email@example.com (hmmmmmmm) stating sorry about the caps Though ok that's it I've had my say and requested to be removed. Ohhh no, today I have received an email from firstname.lastname@example.org stating Ooopss I have copied the email on to a forum - something that Mr Hart does not like and will use against you, BUT the email states at the bottom in the disclaimer: This email and any files transmitted with it are confidential and solely for the use of the intended recipient.... well it was to my email address so I'm the intended recipient and there for its my use to do what i want with it -- if you are still reading this Mr Hart. Ok so I've replied to this email@example.com as there is no un-subscribe button with the following. Taken a leaf from the guy who's charged companies for ringing him: Again excuse the caps E&OE as my spelling is appalling and I typed in haste.. but there you go. £100 per email plus their rate of interest of 1.3% taken from Doshloans website its self.