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Found 278 results

  1. Hi to you all who have taken out loans with this company me also being one I feel we are all same unite here cos we are all similar cases loans done by the company mine has been too trauma to put on here its cost me dearly in my nerves etc I just want to say thank you for saying on here to each and everyone of you I know we all have experienced same things to do with this company, please hang on cos I believe there is now light at the end of the tunnel. BLESS YOU all and try relax , sometimes it just takes one more to move the mountain . I had to remember nothing is impossible is it, release is coming we have to remember its just a loan and yours and my views count , whither its 1 person 2 people 50 people 1,000 plus people with same view multiplication is coming or is not needed because sooner or later it just takes the right place, action, things, people to change things.
  2. Hello there, My partner has two student loans with Erudio. Back in March he received a phone call from them saying that his loan had matured and they wanted payment. We asked them to send this in writing and never heard anything, they also hadn’t sent any reminders regarding deferment. he continued with his deferment for his two thesis loans and received confirmation from SLC that deferment had been accepted for both Erudio and Thesis. However we received a letter last week from Erudio demanding payment of the loan. I called them on partners behalf, he has anxiety and cannot deal with phone calls like this. Asked them why he had to pay if the slc had agreed deferment. They said that there had been a delay in deferment and as a result the loan is now post maturity. They said that they will be requesting proof of deferment history from the student loans company?? (Why do they need this?) This morning we received two letters from Erudio, 1 saying that deferment has been rejected, and that they have requested proof of deferment history from SLC and that they have included a copy of the terms and conditions. However these have not been signed and they are just a blank printed copy of the terms and conditions. Nowhere on the letter does it say what we need to do next. The second letter asks us to complete a I&e form within 30 days so that they can agree a repayment plan. However, this all seems fishy to me. In the terms and conditions it says that they will write to confirm deferment threasholds each year and send a pack, but they didn’t ever send anything. They also didn’t send a breakdown of the loans as I requested. They also want me to pay for a copy of the original signed loan agreement... Please can any of you offer any advice on how to proceed?? Thesis are happy with the deferment of the loans so why are Erudio being so difficult? Thanks so much in advance this situation is causing huge amounts of stress!
  3. Hi, I am new to the forum. Thanks in advance for any advice given. Student Loan Has Matured/ Full Payment Due within 14 days letter received from Erudio I am 45 years old and had taken out two student loans(95,96) and one (98) so under the old and new style loans. About 10 years ago I had arranged a payment plan (spread across all 3 loans) with student loan company (I think I was over the threshold to defer but was experiencing hardship). I had set up a standing order which remains in place to this day. When Erudio took over I received letter, calls , statements etc from them but have never contacted or corresponded with them in any way (just figured I am paying something towards the loan and was worried that if interacted with them in any way it would somehow trigger a new agreement or obligation, so just left it at that). I have recently received 3 letters within the last two weeks from them stating that my loan has now matured and full payment is due (aprrox £3600). Only after looking around on forums have I become aware of statute of limitations, but am I correct in thinking that my payment plan still running to student loans company constitutes acknowledgment of the loan? I believe that these payments continue to just beforwarded to Erudio (as I never signed or arranged for the payment to go directly to Erudio, only to the Student Loans Company details I had at the time). I’m wondering why there sending me letter so closely spaced, are they trying scare tactics to get me to contact them? I have other priority debts so do not want to pay this off if there’s a chance I could continue to do it over a longer period. Does it make any difference that I have not acknowledged anything to do with Erudio, accepted calls, responded to letters etc. Any advice is most appreciated. Thanks
  4. Hi Guys, I had a Mr Lender loan a good while back, for only £184. I believe it was nearly statue barred. (Screenshot of noddle report attached) However, yesterday I received from ‘Moriarty Law’ (also attached) and today a County Court Claim form (this is also attached). I’m unsure how to proceed and would really apreaciate the groups advice. Many thanks.
  5. Looking for help with claim against Royal Mail in small claims. They admitted to losing my 'signed for' package, but then failed to reply further or compensate me. Four months afterwards, I issued Small Claims writ and they sent me standard letter and standard cheque for compensation two weeks later. They have put through their defence which from reading other threads is the same they always use, ie: 1. No contract was entered into between parties for the delivery of the parcel (they mention Harold Stephen & Co V's RM 1978 as reference). 2. The defendant has immunity to a claim in tort in respect of the transmission or delivery of post. Saying they cannot be sued in contract or tort. I know of one case on here that they lost in the County Court. However County Court proceedings are not recorded as far as I know. What I am looking for is any evidence of similar proceedings, a letter explaining the court's reasoning or similar. If anyone had anything they could redact and post I would be very grateful.
  6. Hi, TL;DR version of events: I received a SJPN. I believe I technically am guilty of the charge, but had ignorantly committed the offence out of sheer financial desperation, having had no money and just started a new job. I'm desperate to avoid a criminal conviction. I contacted TfL's IAP to apologise, explained my circumstances, and I provided proof for everything possible and asked to settle this out of court, and that I'm happy to pay the necessary fine. Today they finally responded - with a very generic response to say they wish to proceed with the case... However, the Revenue Control Inspector's statement is factually incorrect, has the date incorrect. The date provided is a date on which I can prove I had a valid ticket. Do I stand a chance at fighting this as 'Not guilty' in court, on the basis that their evidence is incorrect? Complete story: On Thursday 26th July 2018 - I was caught using my mum's 60+ freedom pass by a Revenue Control Inspector on my way to work. I had just started a new job 10 days before, on the 16th July. I had used the card between 18th-26th July (until I was caught) for my commute to and from work. I could not afford a monthly travel card at the time I had been caught as I had been unemployed for past 8 months; maxed out two credit cards, and had been borrowing money from my family to afford rent and food already. I only intended on using the freedom pass until I received my first partial paycheque at the end of the month. I'm not denying - it was a stupid idea, and I obviously hugely regret having used a card I had no right to use. I'm not typically a dishonest person, and this was my first and only offence. 5 months later, just after christmas, I received a Single Justice Procedure Notice, charging me for not having a valid ticket in a compulsory ticket area; 'Contrary to Byelaw 17(1) of the Transport for London Railway Byelaws made under paragraph 26, schedule 11 of the Greater London Authority Act 1999.' Understanding I was guilty of the offence, despite it having been committed out of sheer desperation. I'm also desperate to try and avoid a criminal conviction as I’m currently unemployed, and in search of a job again, and wish to avoid anything that might damage my chances of re-employment. So I emailed TfL's IAP email address, explaining my financial circumstances, expressing that this was my first and only offence, apologising and pleading for any way for this matter to be settled without landing me a criminal record for it would really damage my chances of getting employed again- supplying bank statements, credit card statements, providing anything and everything to support the facts I had stated. ... Today, I finally received a totally generic sounding email response from one of the prosecutors at the IAP department: “On the 27th July 2018 you were approached at ***** ***** station after using a pass to enter that activated the monitors. You produced a 60+ Oyster card that you admitted belonged to your mother. These passes are not transferable and therefore was not valid for you to use…” “…Transport for London intend to continue with the matter listed against you and I would advise you to complete the paperwork and return within the required timescales” I noticed that in their email response they have the date of the incident incorrect, (She said 27th July 2018 instead of 26th July 2018. On the 26th I was caught and cautioned, on the 27th, I actually paid for my fare and can prove it) Furthermore, the Revenue Control Inspector's statement says the incident happened on the 27th instead of the 26th. It's only on the second page of the SJPN under the "Statement of facts" that they have the date correctly stated as the 26th July. Do I stand any chance in fighting this case as 'not guilty' in court, on the basis that the statement given by the Revenue Control Inspector is factually incorrect, and if they were to pull CCTV from the 27th - they'd find that I'd actually used a valid ticket on that date? Any help or suggestions would be massively appreciated. I have 5 days to respond to the SJPN letter Many thanks!
  7. I face a massive fine I can't pay because I ticked the box on my prescription saying I was eligible for free prescriptions. This is because I am on working tax credit I asked the chemist if this meant I got free prescriptions (I was on benefits years ago, i forgot how it works with prescriptions). He said yes, and I ticked the box and got my fee prescription. Then I got a letter saying I was being fined (including what my prescriptions should have cost) £139. I realise, having tried to appeal unsuccessfully, that the onus is one me to read the form and know if I am eligible or not. Fair enough (not really as I've read a lot of accounts of this happening and by now chemists, dental nurses etc, should have been told that they shouldn't falsely tell someone they will be free, they should either have the right information or be told 'read the form, I cannot tell you, and if you get it wrong they'll fine you £100+) but the fine is so excessive I can't pay and feel it is unfair and don't want to pay. You can tell me I am in the wrong if you like, and should pay. But my question is has anyone actually been taken to court to recover the money? I've looked around the internet and can't find anyone who has. So what if I just don't pay, what will happen? Thanks.
  8. Hello I wonder if you can advise me. My son has had a loan from Money barn. He picked the car up and its been one problem after another with the car. He has phoned moneybarn to tell them, and they say they have opened a case but he should take it up with the garage. It is 14 days on Wednesday so does he still have time to cancel the loan and if he does should he send an email as well as phone them, he wouldnt have time to send a letter would he? Thank you for any help you can give.
  9. My mum lives on the first floor of a three storey building and is almost 80. The housing association she rents from have moved in a single mother with a child above her and she is going through hell with the noise and it's making her ill. The woman has had people coming in doing DIY at all hours - 7:45pm tonight - and her children are often up at 6am, and sometimes earlier, which wakes my mum (and sister, who lives with her) up and they are unable to get back to sleep due to the noise. They're often also running around late at night as well so mum has to wait until almost 10pm and later before she can go to bed. She's tried writing a very reasonable letter to the occupant upstairs about the noise but this has been ignored. I know that when children move in, everyone around them automatically loses their right to a reasonable quality of life because of this, but does my mum have any recourse ? Most nuisance neighbour policies i've looked in to, as well as the housing association's anti-social behaviour policy, all basically exempt children from any action being taken which I think is grossly unfair because at almost 80, my mum simply can't "just move". And she's lived there for nearly 20 years as well, so why should she give up her home because of some inconsiderate above her ? She'd be willing to go to mediation with the woman, but since the woman has ignored her letter, is there any other way to get this to happen ? Apologies if this is a bit of a mess of a post but i'm just getting quite concerned about my mum's health overall. Thanks in advance for any ideas.
  10. Hi, Someone has damaged my car and left a note saying sorry here is my number. I have spoken with the guy and he wants to make a claim through his insurance company. He is asking for my details etc. Question is - does this affect my no claims and will it raise any premiums for me next year? Having spoken with my insurer (XS and their £3k excess) I can not trust them and want some advice. Thanks
  11. My mum has had a mortgage for 45 years. It represents 17% of it's value. They don't want to continue it, once it reached the end of it's term, even after agreeing to continue it in May of this year. We only get to know a repossession court date is due on 30th of this month, 10 days ago. Barclays know she was staying with me over summer and it was only a neighbour checking post, that alerted us. (Barclays has made it very difficult for me to assist my mum on the issue) They wanted a message from the doctor, which they got, now they changed their mind and want a more formal letter via the post. Before 'possibly' reconsidering. Her rate was/is a minimum of 5% and went higher when rates increased recently. So they are earning well from her. Plus she paid off two loans they sold her, to pay off overdrafts, they kept letting her fill up! Until we asked them to stop. Both stink of miss selling. The impact of this will worry her, cause her to fear leaving her home and disrupt her recuperation with us. An effort that took her from being skin and bones, close to death (even with carers/social workers visiting), to eating and being more healthy.
  12. Advice Needed. Please, this questions could have bee raised already but I am facing a nightmare here. To make this very brief, I sent 8000 from my personal bank account with another bank and also 6800 from my small business account to a newly opened Barclays bank account totaling 14800. both money was sent from my own bank account with the same bank. two weeks afterwards, being 25th August , past bank holiday, me and my spouse where at both at our local Barclays bank to withdraw 7500 but was turned down after waiting 1 hour and said my account has been blocked and suddenly under review. since then we have been tormented and could not collect funds carry out plans marriage plans or make payment to vendors. I made a formal ,complain about this and today received a call to say that the account is now closed for fraud and our funds is held be Barclays. the guy i spoke to was terrible blunt and rude and that I should call the account closing team to know if I can get my Money back. The funds i deposited in Barclays £8000 came from my own account, savings over the years, cleaning, freelancing and **** packing. the 6800 was from my business account. totally 14800. Now Barclays said that they have held my money and to provide proof of it. what does proof of the money means? has anyone heard of this type of thing before, I hope I am describing this correctly for easy understanding, this is what has Happened to me. Advise needed.
  13. I am trying to help someone who nobody really wants to help. There was a case of criminal damage Where this person involved was arrested for criminal damage to a house. On his barristers advice he admitted the damage and was sentenced. It now turns out that the complainant misled the police and also the star witness's known personally by the complainant has also pulled a fast one by misleading the police. How can this be brought to the polices attention as the person prosecuted is sure damage was caused on purpose and blamed on them. How do they go about notifying the police about this ? Spelling and punctuation mistakes have been caused by Auto correct on my my mobile.
  14. Having lost a few registration marks to DVLA over the years. I wondered if anyone has ever lost a registration mark which made their car worthless as the DVLA did not affix another. This was a valuable classic car some years ago. I am also looking at the legal power of the DVLA. What they can and can't do legally. Thank you
  15. Its been a long time coming but one of the biggest PDL firm is about to fall. Part of it has to do with PDL Reclaims... This is a consequence of this... Wonga is on the edge. Grant Thornton could possibly assist with the administration. Remember this is a firm who in 2014, was ordered by the City watchdog to pay more than £2.6m in compensation to 45,000 customers who were sent letters purporting to be from law firms but which in fact did not exist. At this time their site is still offering loans. As per usual CAG advice is to stay away... Further updates will be posted as they unfold.
  16. I was unable to pay the mortgage for about 10 months, but then I got a new contract and was able to set up a standing order which was larger than the statutory amount. I decided to pay this larger amount in order to gradually reduce the size of the shortfall in a way that I could sensibly afford. Prior to my first default I was actually overpaying over a number of years, so that my 10 months gap was actually only 4.6 months on the balance sheet (this is acknowledged by the lender). I have already given Mortgages 2 my assurance, several times, that I will be able to overpay them every month over the full term of the mortgage. Despite this they have started legal proceedings to repossess my home. The really odd thing is that they started their proceedings against me after I had set up my standing order to pay them more than I needed to! They have now had 3 uninterrupted monthly payments and still have not stopped proceedings. They are using Moore Blatch and the court case is in early July. Mortgages 2 are no longer in the mortgage lending business, and are obviously keen to recover all of those pesky mortgages and get their hands on the money for whatever new venture they have up their corporate sleeves. My defence is based on exactly what I have told you here. But what can happen? Will a judge really allow me to be made homeless when I'm regularly paying a larger sum than I need to? This is crazy! Does anyone have any views on this?
  17. Good Morning everyone, My situation is quite complex so please bear with me and any help and uggestions would be greatly appreciated, i will start with a brief statement as to how this all started 15 years ago and then onto the problems i am now facing. In 2003 i applied to remortgage and take equity from my home, i was turned down, i checked my credit reports to see that i had several defaults and a CCJ from Barclays on my acc, after a few years i managed to get all of this sorted with apology letters from Barclays. In 2013 i was again chased for debts that did not belong to me, i tried every avenue possible to get this mistake sorted for a second time but eventually i ended up going to the newspapers and the FOS who then sorted out the problem with Lloyds and Experian with a pathetic £250 compensation, even though id spent 10 times this on phone calls and writing letters/emails etc . Now in 2018 this has all happened again, i have checked my report from all 3 CRAs and Call Credit and Experian are showing defaults, CCJ, addresses i have never lived at, they have even changed my electoral roll entry without any instruction by myself or legal documents to do this. All of this wrong information is for a person with the same first and last name as me and also the same date of birth, however this other person has a middle name and i do not. I received a letter from 02 on the 19th of March chasing a debt for this other person, i immediately checked my credit report, and there it was, 02 had already linked me and the debt/account to my address without doing any checks whatsoever to see if i was the correct person, i DONT have an account with 02. There is then the other accounts from 6 other companies in default that i have never had accounts with and a CCJ which i dont even know what it is for , i just know none of these belong to me as ive never missed a payment on anything or had any dealings with these companies. I have disputed all of this with Call Credit but they refuse to remove all of this wrong information, i have not spoke to any of the companies involved as from past experience they will not speak to me due to data protection when i say i am not the person they seek, but they also dont resolve the problem either, i have since joined checkmyfile and they are trying to sort things out with call credit , but say i have to sort out this mess with Experian myself. I am seeking advice as to what to do next, to be honest the companies reporting all of this wrong information in my eyes need to pay, i am busy renovating my home and considering an extension as my wife is 8 months pregnant but i am now reluctant to apply for any loans/remortgage etc as i know i will be turned down, and as you can expect for this to happen a 3rd time my stress levels have went through the roof. Companies listing defaults on my report who i have no dealings with at all and ruining my credit report because of there incompetence to check they have the correct person are: Lloyds Bank (again) Lowell Vanquis Bank Capital One Hoist Portfolio Home retail group 02 ( who reported and made the link with callcredit , even though this serial debtor has paid his bill now, so is not showing as a default, but its now to late as they have done the damage) Thank you kindly to anyone that can help. Luco19
  18. Hi I'm sure this has been covered many times but I've tried searching and not found anything specific. To cut a very long story short I purchased a second hand car on the 17th Feb 2018 on HP through first response finance via a local dealership. On the 6th May an injector fault code had shown up after many tooing and throwing between myself and the dealership and the finance company an attempted repair was carried out by the dealerships approved garage where they fitted a new injector. I picked the car up on the 17th May (yes it did take that long for this garage to fit a new injector!!). However upon picking the car up we discovered it had a diesel knock, not something it went in with! We then had it at a further 3 garages, arranged for by the dealership and i'm assuming covered under warranty and the 3rd garage took all the injectors out and sent them for testing, all came back as ok BUT he has advised the noise we hear in the car is actually due to a failing flywheel. Driving the car away from the 3rd garage on the 8th June we discovered the diesel knock had been fixed and realised this vibrating noise was always present in the car from purchase... just to shed some light, its the first time I've even driven a diesel!..i thought the vibrating feeling when stationary at traffic lights was 'normal' and as i'm no mechanic I didn't realise this was to do with the flywheel. After speaking to the finance company and raising a complaint with them we've since had quotes to repair of between £1,300 and £1,700 to fix this flywheel issue and replace the clutch, clearly after only owning the car since Feb and it's been in for repair since early May so actually only driving the vehicle for 11 weeks they're claiming wear and tear therefore not accepting any liability. I'm obviously aggrieved at the prospect of having to pay out anywhere up to £1,700 on a car worth £5.5k (Peugeot 3008 10 plate with 59k on the clock) however my argument is this issue with the vehicle has always been present and I find it hard to claim wear and tear when I hadn't owned the vehicle for that long. BTW the approved garage where the injector repair was supposedly carried out and who had my car for 3 weeks and came out with another fault was the same garage that MOT'd my vehicle and passed it without a working horn (something which we got fixed straight away!) therefore my confidence in that garage supplying roadworthy cars is clearly jaded. I've sent the final response from the finance company to the FO but I wondered whether you guys have any advise for me or whether anyone has had similar experience and can offer any advise? Sorry it's so long but this is the condensed version!! Thanks for your help
  19. Ive been in a dispute with npower for a few years now ever since they stopped us paying by standing order saying it was no longer available wilko and chapman (npower soliciters) have taken me to court which ive never known about and it looks like they have put a charge on my property because attached to their letter is the deeds to my house. I owe them £4000 and the only reason its that high is because they wanted me to pay £250 a month which i simply cant afford they tried the " we are going to fit a meter through the courts" which was declined due to 3 members of family having asthma. I really have no knowledge of this going to court am worried sick can anyone help me.
  20. Good Afternoon All, Just wonder if I have this all wrong ?! I appealled a TFL PCN, Appeal was rejected and the rejection letter stated I had 21 days to pay at reduced rate of £65 from the date of the letter of rejection which was 11th June 2018. ...' if you pay the penalty charge within 21 days from the date of this letter you may pay the discounted amount as full and final settlement...' I calculated from the 11th 21 days I could pay by the 2nd July at the very latest? I went to pay the fine today and it has increased to £130 ! Have I miscalculated the dates/wording? surely the 1st falls within 21 days from the 11th July? As it is a Sunday and no one is available at TFL to talk to I thought I should pay it and hope they can refund as if I didnt pay then tomorrow am sure they would say I missed the 21 days...am now more than broke.. Am I right to think I had until 2nd to pay or have I misinterpreted the letter? Many thanks
  21. I intend to get professional legal advice on this as I'm making my Will, but I thought I'd test the water here first. Please don't ask questions about the reasons for my wishes, it is a complex situation and I don't want to discuss it. Circumstances: I own my home outright, I am the sole owner. I bought the house outright with no mortagage and only my name is on the deeds. My girlfriend moved in with me when I took possession and a few months later her son moved in as well with my agreement. They are both named on the Council Tax and have bank accounts and mobile phone bills at the address, her son is an adult and out of full time education. All other bills are in my name only and my partner makes no contribution to the bills nor has she contributed anything to the maintenance or improvement of the property over the 6 years we have been here. If my partner does a food shop alone she uses my credit card account which is in my sole name but she has a card as 'Mrs Homer' so it's not actually in her own name. As we are not married and according to information I have been given, my partner has no legal claim to the property at all upon my death. I have checked and that does seem to be correct, despite some people saying common law rules apply, which I understand to be false. I intend to write a Will which will bequeath the property, savings and goods to my sister and her children, with advice for the house to be sold. My question is: Can my Executor give notice to my girlfriend and her son to move out so the property can be sold and do they have to comply? My intention is to Will an amount of money from the sale of the property to my girlfriend's son to help him get on the housing ladder and the rest of it to go to my Sister's family. Nothing will be bequeathed to my girlfriend, so she will have to make her own living arrangements (I am sure that will be with her son). It doesn't sound too complex but I wondered if anyone had experience of this?
  22. I am on the new style loan and after moving repeatedly I haven't had any contact since 2015. I now live in France and was wondering if anyone has ever successfully lost student loans? Would I be unable to return to the U.K if they have lost me?
  23. Evening Peeps, newbie here. I used to be a member a long time ago and found the info on here very helpful. So thankyou ! I have now got a clean bill of health on my credit score, but still owe debts to various DCA's. My question is - can a DCA still try and issue a CCJ, even after say 8 years of the original default account ( notice of default has been isssued ) - my accounts have ALL dropped of the various CRA's as they all defaulted many years ago ( over six years ago ) - I am still paying them via a DMP. To summarise all debts are over 8 years old now. And I am still paying them. They just dont appear on my Credit Reference Agencies. Are these debts still enforceable in a court of law ? Lets assume than none of the DCA's have the original CCA's ? Thanks for any info, will be much appreciated, but cannot find this information, having trawled the forums. Big love and respect ! x
  24. Sopra Steria has been awarded a new UKVI contract READ MORE HERE: https://www.gov.uk/government/news/sopra-steria-has-been-awarded-a-new-ukvi-contract
  25. Could someone please advise on the “6-years and it lapses” rule, I want to know if it still is in place, and also if it then has relevance for the following. 5 years ago I acted on advice from the wonderful people on this forum. I had previously retired at 65 after a business collapse, and was facing constant letters/calls from debt collectors regarding some related debts amounting to £36K across 5 business credit cards, 1 personal card, and a small-business loan. As a result of great advice I was able to hold my ground and even go on the attack, and after a year or so 4 of the debts were wiped out and a 5th “will not be pursued until we can furnish a copy of the original agreement”. That DCA was a total shambles, so that seems extremely unlikely 4+ years later still. My query today relates to the personal credit card, which was being dealt with by DCA 1st Credit. I offered a token payment of £5/mth because at that time I had not discovered this forum and had no idea that the financial sector worked in such heavily self-serving ways, nor that I had options. The offer was accepted and I made 3 payments, though by that point I had found this forum which opened my eyes wide! I wrote to 1st Credit notifying them that the credit card issuer had not dealt acceptably/completely with previous concerns (long story!), that I would not be making any more payments, that they should return the case, and that I would be contacting their client seeking proper action and that they would be included in any subsequent formal complaint themselves if they continued collection processes in the meantime. Other than asking for details once, which I ignored, I never heard from them again. I have now received two letters a few weeks apart advising “1st Credit has now become Intrum UK Ltd”, requesting a payment arrangement for that debt. I don’t know whether 1st Credit just changed their name, or Intrum Justitia (one of ‘my’ earlier DCAs) has bought their book, but either way it seems 1st Credit just shoved it to the back of the shelf 5 yrs ago, not returned it nor done anything with it themselves. My knee-jerk is that if the 6-year rule still applies, they are now trying to resurrect the case before it lapses. Part of me says to ignore them and see where it goes, though another part of me wants to snap-back setting a line of defence advising Intrum to return the case to the card issuer who I am contacting requiring them to deal properly with already-notified matters that they have yet to complete, with a warning of a formal complaint should they continue to chase. I’d greatly prefer getting to a 6 year cutoff however and just washing my hands of the whole stressful matter, than opening a level of formalities all over again and having all the stress for a year at least and most likely on in to our mid-70s. I’d just like to get on with living, as all was extremely upsetting to my wife who was/is not a strong woman after losing all our assets, our house and a second property, and living hand-to-mouth on just our state pension in rented accommodation and not the comfortable retirement we had expected. So regarding the “6-years” rule, is it still in force? If so, would contacting fresh-face Intrum with a stand-down notification letter end the 5 year lack of any contact just a year before it could help close the door? Or maybe has that already been ended with the appearance of Intrum asking for an arrangement, beginning a fresh 6-year requirement? So … should I ignore Intrum’s contact for a while longer, or get in quickly with a defence by going in to attack mode which no doubt would drag out for at least a year … by which time the 6 year rule would apply anyway if it is still in place as a potential backstop as long as I don’t break the silence? I would welcome some focus so I can see more clearly what makes the best sense … and also any pointers to new or changed legislation/codes-of-conduct /proper forms-of-words/etc that may be keeping me unknowingly out of step with things these 5 years later. Many thanks if you can guide me at all.
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