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    • I spoke to a pro-bono entity this afternoon.  They advise I must initiate a claim in the court v the receiver if I want to then file an application for an order for sale.  I must have a claim/ proceedings to be able to force a sale. The judge in the current proceedings  has told me that I cannot force the lender to sell and the lender cannot interfere either.   If the receiver isn't acting correctly and isn't selling - this means I must make a claim against the receiver
    • Thanks Dave It's not too far away, about 8 or 9 miles, so I will probably venture over on my bike if I can't think of a good reason to drive there again! I'll have a chat with Mrs GB_Joe tomorrow and see which shops they visited, I know M&S was on the list (had to try on multiple sets of trousers!) and they are actually in that bit of retail park. The uniform shop is across the way in the Meridian Centre, so probably not helpful to get them involved.
    • As they have failed to deliver their original PCN you will need to send them an SAR where they should provide that PCN. It should show the address they used . If it is not your current one that would explain the non delivery. If it was correct then perhaps the Post office messed up. A more cynical view would be that UKPC didn't send it so that you couldn't claim the reduction. It appears that UKPC have been there for some time  but I have been unable to find any pictures of their Notices.The leisure park itself is pretty big so while some parts maybe give 5 hours free parking other parts may have restrictions like permits. I haven't been there for years -I went  to Nandos and the bowling centre . I am surprised that they are now infested with UKPC as the place is plenty big enough not to require their dubious services. If you live not to far away it would help if you could get some legible pictures of their signs. Be carful to park in an area that doesn't require a permit and take photos of the entrance signs, the five hour sign and the permit only sign as well as any other signs that are different from the previous signs. Also if their is a payment machine could you please photograph that.
    • This other entity doesn't know what's going on.  To be clear I had huge equity.  No-one would ever expect a lender to erode all my equity.  The question is - if anyone knows the legal answer - on the basis they have a charging order - could they make an application for an order for sale?  
    • Is this place near to you? I ask for two reasons. If you can easily go back, then get photos of the signs.  On GM and Parkopedia there are various comments about the signs being pants. Also go back to the school uniform shop and ask the manager there for contact details for the retail park (which I've Googled & Googled and got nowhere).  The school uniform shop will just be tenants of the retail park, they won't be able to do anything.  It will be the retail park that called EPC in, and we've seen loads of cases where the organ grinder has intervened and called off the monkey.  As for EPC, aye, ignore them until LoC stage.
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Question regarding debt older then 6 years


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Hi guys I am new to this forum and after reading much of the useful information I was wondering if somneone could please clarify a query regarding statute barred debt.....

 

Basically I have unsecured loans and credit cards from around three years ago, I am making minimum monthly payments towards these, howeerv, if i continue to do so would my debt still be classified as statute barred once the 6 years is up, or is this only classifiable if you have completely ignored the debts for this time and not made any payments?

 

many thanks

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Hi guys I am new to this forum and after reading much of the useful information I was wondering if somneone could please clarify a query regarding statute barred debt.....

 

Basically I have unsecured loans and credit cards from around three years ago, I am making minimum monthly payments towards these, howeerv, if i continue to do so would my debt still be classified as statute barred once the 6 years is up, or is this only classifiable if you have completely ignored the debts for this time and not made any payments?

 

many thanks

 

Nope statute barred is 6yrs from the date you last made a payment not the default date or any other date for that matter....

 

Yes, if you simply ignore the lender/dca and they don't get in touch for 6yrs then its also statute barred - in your case it would 6yrs from the month after you last paid so in essense May 2015 (sorry sounds awful eh?).....

 

The default will go 6yrs from the date it was registered regardless of whether you're still paying into anything.

Stick to Facts ------ Facts don't Lie

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It only becomes statute barred 6 years after the last payment, provided you haven't made any written acknowledgement of the debt in the intervening period. I've been doing a fair bit of reading about it, as I have a few going Statute Bared in a few weeks.

 

Yes, the legal classification is 6 years from the date of first late payment which to you and I reads as the month you missed a payment. i.e. I pay 50 quid every month and stop in January 2002. I've hidden until January 2009; the debt is not statute barred. However in February it becomes statute because february was the month of the first missed payment. HTH :D

Stick to Facts ------ Facts don't Lie

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Thanks for the quick response guys....thought it was too good to be true.... and good luck huff n puff.......

 

without meaning to sound thick, have you considered cessation of payments? :p

 

Are you likely to be making payments for ever or is there a clear way it will be gone in less than 6 years? what you have to remember is if you pay it, once it is paid off the info still remains on your credit file for 6yrs. Therefore in some cases it is better to 'hide' and wait 6yrs from tomorrow so to speak....

 

The above is not advice, just an opinion. Take as you wish from it.... :-)

Stick to Facts ------ Facts don't Lie

:|

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  • 3 weeks later...
without meaning to sound thick, have you considered cessation of payments? :p

 

Are you likely to be making payments for ever or is there a clear way it will be gone in less than 6 years? what you have to remember is if you pay it, once it is paid off the info still remains on your credit file for 6yrs. Therefore in some cases it is better to 'hide' and wait 6yrs from tomorrow so to speak....

 

The above is not advice, just an opinion. Take as you wish from it.... :-)

 

As tempting as that sounds, I live with my parents it would be waaay too much hassle for them, and I also own a property so if I was to go into hiding for 6 years then there is nothing stopping my creditors from getting a chargig order, which I have been threatened with already....

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