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    • Hillary Benn has said that the Withdrawal Bill allows for a no deal Brexit at the end of next year.    
    • Yeah I filed a defence against BW Legal which bought the debt off ICL. ICL have emailed me to say that due to breaches of lending laws a high court action has forced them to contact all borrowers and assess claims for refunds.     IMPORTANT INFORMATION   INVITATION TO CLAIM: SCHEME OF ARRANGEMENT IN RELATION TO INSTANT CASH LOANS LIMITED   Background We contacted you in July 2019 to tell you about our proposals for a Scheme of Arrangement. The Scheme is a legal process that will allow us to make an arrangement with all our creditors that will mean they should receive more than they would if we went into liquidation.   As a former customer, you were entitled to vote on whether or not we should put the Scheme into effect, so we contacted you again in August 2019 to tell you about the voting process.   The vote closed on 24th September 2019 and the substantial majority voted in favour of the Scheme. So on 8th October 2019 the High Court made an Order that made the Scheme effective, as of 9thOctober 2019.   This means that you now have 6 months from 9th October 2019 to tell us if you want to make a claim.   Why you may be eligible You might be a creditor of ICL because you have taken out a short-term loan with ICL or one of the companies which it owns in the past, so it’s important that you understand how to make a claim under the Scheme.   We believe that in the past, we may have behaved irresponsibly in lending to some of our customers and if you were one of the customers affected by this, you would be entitled to redress.   We’re not pre-judging the outcome of any claim; we’re simply contacting all the customers who may be affected, to explain the next steps.   How this could have affected you If we lent to you irresponsibly or your borrowing was unaffordable or unsustainable, it is possible that the interest or other charges you paid were unfair. So if you are concerned about any of the loans we provided, we’re inviting you to submit a claim.   What you need to do next You must submit your claim by: 9th April 2020   After this date, we will not be able to accept any new claims.   How to make a claim We’ve done our best to make the process as straightforward as possible. The quickest and easiest way for most customers will be to use our online Claims Portal. You can find this at www.themoneyshop.com. If you are unable to use the online portal, you can call our Helpline (see details below), but please be aware that in times of heavy demand, you may need to call us a number of times to get through.   To register, you’ll have to give your Customer Reference Number (at the top of this email) and your date of birth. Once you’ve registered, all you have to do is tell us you want to make a claim. We may ask you some simple questions about your financial circumstances when you took out a loan, but we won’t ask you to provide documents and we won’t expect you to remember specific facts and figures.   You’ll only need to make one claim, no matter how many loans you took out.   After submitting your claim, you may not hear from us for a while. We’ll be assessing all the claims we receive, and we’ll provide updates on our progress on our Website and through the Claims Portal. You don’t need to keep checking - we’ll email you to let you know if we have provided an update.   If we agree that we have behaved unfairly or irresponsibly in the way we lent to you, you will be entitled to a payment. We’ll expect to be able to tell customers the amount of their redress claim by April 2020 and there will be an opportunity to have that independently reviewed.   Once we know the total amount of claims, we will be able to tell people what percentage of their claim will be paid. This is because the fund has to be shared out proportionately across all customers who are entitled to redress. If you have an outstanding loan, we may reduce your balance instead of making a payment. The payments will be made by the end of 2020.
    • Would be an interesting case EB if an attendant saw a dashcam in the windscreen and issued a parking Charge under  condition 13.7 no filming.  They might be on a sticky wicket with that one.  there is plenty to throw at them if they are silly enough to send a Letter Before Claim.
    • Ok sorry it says solution finance on the letter but it was originally a littlewoods account 
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RED Debt Collection - threatening court action

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Hi - fresh from winning an SD set aside with costs with CapQuest i have just received a letter from the above asking for an old debt which is borderline statute barred: the letter says they will take legal action leading to bankruptcy etc. if I dont respond. My initial thought is that they are trying it on and to just ignore them as they potentially know its statue barred. I dont want to CCA as it apparent to me that from other RED threads that any form of contact appears to generate an SD after the letter that I have received as a bully tactic. I definately aint spoken to anybody re: the debt since 2002/2003 so is it worth biding my time to make sure it hits the 6 year mark before I have to send the letter?


Does anybody think they will hit me with an SD if I ignore them?



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If anybody can help, the original debt is from from HSBC for 5k from a loan I think. Whats the best way to find out when I last made a payment as this will have been my last contact? equifax? experian?


Having done more reading I am expecting an SD on the doormat this week.

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I would do nothing. If you respond you are confirming that you are at that address and as you suspect that will give them what they need to issue a SD.

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Nat West Bus Acct £1750 reclaim - WON


LTSB Bus Acct £1650 charges w/o against o/s balance - WON


Halifax Pers Acct £1650 charges taken from benefits - WON




GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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get the info from a CRA if youmust but i would just ignore them, they're on a fishing trip...........





please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.



Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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Quick question: if a debt is statute barred and i tell a dca that, does that re-set the clock for another dca to come and chase me?

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