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Found 18 results

  1. I just got a letter from Metropolitan Collection Services of Coventry. They're pursuing an overdraft I had with HSBC. Last activity on the account was I think December 2010. Shortly after they withdrew the overdraft cos I wasn't paying into the account regularly. The debt is now in the region of £1250. I'm on benefits here and I can't afford to pay this of in a way they'd find satisfying. They have also floated the possibility of taking me to court in 'the country where you live.' Anyone got any advice on how I might call off the dogs?
  2. Hi Just wondered if anyone had any information of time limitations when an item is not as described? I purchased a chocolate faux leather bed frame from Argos in Jan 15 it was delivered in 2 boxes in March 15. For various reasons we have only today opened the boxes and have found that while box 2 of 2 contains a chocolate coloured headboard, box 1 of 2 contains the side and bottom panels in black! I called Argos Customer Services today and the young lad (following a script) said there was nothing they could do as it was 5 months past the 12 months guarantee. A
  3. I'm currently trying to assess whether a debt is statute barred or not. It is in relation to a current account overdraft where my last activity was in May 2009. The amount overdrawn was £3,000 at this point. The bank defaulted the account in August 2010. This is what is shown on my credit file. Between my last activity and the bank default date a number of interest charges were added by the bank. The amount at date of default was just under £4,000. Can someone indicate when the statute barred clock starts ticking, is it from my last activity in May 2009 or from the de
  4. Says it all in the title really. Without naming names, I sued a financial institution a little over a year ago, the case was compromised by Tomlin. For various reasons [mainly because the terms were thrashed out in 20 minutes in front of a slightly grumpy dj] the agreement made no mention of CRA's. Not particularly a biggie as I got 90% of the money I was claiming and the default was due to drop off about 60 days later anyway. Roll forward a few months and it [a few weeks ago] began reporting the account again. This time without the default marker but with a
  5. Hello all. Been using website for reference on many occasion, so now time to ask a question. I have a debt with Hoist Portfolio Holding 2 Limited for £186, balance opened 07/12/2002. The balance status is "gone away", and defaulting since Aug 2014. [Noddle] For approximately 3-4 years I wasn't paying the balance on account that I was unemployed and the account had insurance, which was being paid for me, for 8 years. (Sorry I don't know much about this, PPI maybe?). I moved address in 2010 and subsequently didn't notify the lender, RiverIsland. Last week I checked my credit fil
  6. Pretext: Have been looking into the possibility of building a solar panel from scratch as part of an allotment project. Bit of fun more than anything. Discovered one of the major hurdles with building any solar panel (commercial or otherwise) is condensation and water vapour. It can severely damage the panel and reduce output, sometimes destroying it altogether. One of the ways they deal with this in commercial panels is to encapsulate the solar cells in a resin or epoxy, which are usually silicone based. Apart from being horrendously expensive to purchase, research is starting
  7. Hello everybody, I've googled so much and found your board to be very helpful. Hopefully, you are able to help a friend of mine as well. The issue is the following: My friend was in London in 2009 with his car (German). As there were bikes on the back, the car did not fit in any of the car parks. And as there was no parking on the street, he eventually ended up using a parking lot that was for residents only. Upon his return, he had received a parking ticket for that. After he returned from his vacation, he had als
  8. hi all why doesn't limitation apply to reclaiming ppi, mortgage charges etc?
  9. Hi All Can anyone offer me advise on the following: Thames Water have accepted responsibilty for incorrectly billing my business for 13years. So far I have negotiated a 45% discount on the money owed and they are adament that in line with the Limitation Act1980 they can back charge me 6 years. They quote: Time limit for actions for sums recoverable by statute. (1)An action to recover any sum recoverable by virtue of any enactment shall not be brought after the expiration of six years from the date on which the cause of action accrued. As no bills were sent for 13 years
  10. Evening All - I'm just after a someone who is in the know about company finance issues and placing default notices on company credit file if possible? To give you a very brief background into my case I was employed by a government organisation and in October 2003 it was revealed that they had made errors with many employees salaries and subsequent pension contributions dating back to 2003, to summarise they are now applying The Limitation Act 1980 to make reduced payments to all the affected 250 staff members identified. As the organisation is refusing to pay me in full I now view all
  11. In 1994 I obtained a mortgage. A condition of the mortgage was that I had adequate insurance to cover buildings and contents. The mortgage company said the most convenient way to arrange this insurance cover would be for them to arrange it. They would also decide if another insurance company was supplying adequate cover. To do this I would have to pay their expenses of £25. Rather than go through all this I agreed to the mortgage company arranging insurance for buildings and contents. After 5 years I found out this combined insurance was about twice as expensive as other insurance
  12. In 1993 I took out a mortgage. I was told that a condition of the mortgage was that I paid £14 per month PPI for accidents and unemployment. After about 15 months I changed building societies and I'm not sure if I paid for PPI to the new lender. (I just cannot find out) I have been reading the Limitation Act. am I right in thinking (a) that for mortgages and other secured debts the limitation period is 12 years and (b) the limitation period for reclaiming PPI is also 12 years. If I am right then this still leaves me outside the 12 years BUT is it true that t
  13. Since 1997 we have had MPPI and it's been found that it's not suitable for several reasons. We have gone down the road of the FOS but they say we can't claim against the advisor that sold it. 'As the business sold you PPI before 14 January 2005, and it was not a member of either GISC or MCCB, we cannot consider a complaint against it. But you may be able to complain against the underwriter of your PPI policy ( the insurance company that actually provided the cover). So there is a limitation but you don't always need to go back to the point of sale, or at least that is what they are
  14. Hi I have been reading various threads on this forum with interest but need to know if anyone can clarify dates for me with regards to the limitations act and statute barred debts. I know if a County Court Claim is issued within 6 years then it is valid. However the creditor (Lowell Portfolio 1 Ltd) has jumped straight to a Bankruptcy Petition. My last payment for the debt was in July or August of 2006 and since then I have not paid towards or admitted the debt. In June 2012 a Statutory Notice was served on me personally, though I was asked for no id and no signature. I d
  15. Hi, Not sure if anyone can help me with this. My husband applied for reconsideration of his DLA award last October (was getting low rate care only). This was denied following a fictitous report by an Atosh 'Dr' (for example, stated my husband had no problems with stairs whilst sitting 8 feet from the stairlift just installed by the council). He is now appealing but this will apparently not be heard until at least March next year. Now the problem, hubby is 65 in a couple of weeks and I was wondering if we should be applying for DLA again before that time in case his appeal fails on a
  16. Hi there, In my 2nd year of uni I left in Dec 2001 but received my 2nd grant payment in Jan 2002. I never heard anything about this until I received a phone call about it a few months ago and now a letter dated 30th June 2012 requesting payment in full, £1450. My question is, before I contact them to make offer of payment within my means, is this not covered by the Limitations Act in that after 6 years they cannot pursue me for this date? I am aware that Student Loans post 1998 are exempt, I have a student loan also which is paid through my salary when I am working. However thi
  17. Someone I am helping is being taken to court by a party claiming an alleged overpayment of wages relating to payments made to her that began in early 2003. These payments varied in the first year but remained a fixed amount since 2003 until the middle of 2010 when their employer noticed the payment. The former employer admitted that the employee had not caused these payments to be made in any way. Several times, it was pointed out to the employer that payments made six years prior to their discovery were certainly statute barred. They tried quoting the part of the Limitatio
  18. HEY THERE EVERY ONE. THE PART OF THE ACT THAT IS IN RED SAYS ABOUT STATUTE BARRED CANNOT BE STATUTE BARRED IF A CREDITOR/DCA DEMANDS MONEY IN WRITING. SECTION 5 OF THE ACT IS SIMPLE CONTRACTS WHICH I ASSUME IS LOANS/CREDIT CARDS STORE CARDS, ETC. DOES THIS MEAN THAT THE STATUTE BARRED TIMER RESETS EVERTIME I RECEIVE A LETTER? MY DEBT WAS A CREDIT CARD. 6 Special time limit for actions in respect of certain loans. (1)Subject to subsection (3) below, section 5 of this Act shall not bar the right of action on a contract of loan to which this section applies. (
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