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    • that doesnt tell us enough about activty on your bank account nor about any other red marks on your credit file. The CIFAS marker isnt about a phone contract so what exacty was the contract for?  you say data but that will come under a service contract so would it be possible to use massive amounts of data improperly and then not pay for it? what about your bank account, were you in the red? were you paying funds into the account from recognised sources like salary. Did you have any other DD's on that account.  
    • can you get some phots of the roof and eaves ect without trespassing on his property? insurers will have to amke good if it is your neighbours property that is causing the problem but i would ask a surveyor to have a look first so you know what to say from the outset to get the best outcome. Your local council also has powers to order them to take action but as they wont engage it may well take the 3 years you ahve given yourslef for the house move
    • you have been stiched up  but you really should have walked away from this well beofre reading the paperwork, let alone signing it.   However, the incentive is part of the contract, same as being given a free gift as part of a sale doesnt mean the retailer caqn give you somehting that is broken and not make good just because it was "free". so, back to the incentive and the terms you signed. Chances are the terms make the contract voidanyway but we wont knwo that until we see it. give us a good idea of what this is all about and you may well find a couple of people will give you the advice you need.
    • I have given them independent reports from two roofers that say they are beyond salvageable due to the upward curl on most of them along with a few cracked.    I have given them 3 quotes for removal (I was / am happy to pay for the reroof, but was based on it being slate as I could have taken it down myself.)    They have been out and taken photos themselves of the current roof along with pictures I sent in when we first found out it was asbestos after that was done was when they offered the £200 and they wouldn't comment any further on the matter.    They have asked me to have it tested officially opposed to an visual inspection but each time I ask them will they cover costs if it does come back as asbestos they ignore the question, three times I have asked.    It was 3 years ago but I first raised the complaint at the start of this year.    The age of the roof in question dates back to the 1920s when the house was built, the main building had its original bare Welsh slate roof with limestone mortar. 
    • Agree, you need to start a formal complaint and keep it in writing but also make it clear what you expect as an outcome. An apology and some commitment to better staff traing regarding general customer services but specifically handling of medical emergencies would be in order. They have a responsibility for the health and safety of all peopel on the premises and it does look like this point was sorely missed by the manager. i would also expect them to write off the cost of the ruined meal as well, you didnt paln in advance to ahve one of your party leave in an ambulance so their actions are pretty shoddy
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      • 16 replies
garyleeds

information on whether my debts are now statute barred!

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Hi,

 

I currently owe around £20,000 to a number of different companies for loans/credit card/bank overdrafts from several years back. I have recently obtained a copy of my credit report from Experian and it seems i defaulted on most of these debts around february 2004, i am now thinking that give a few months when i may have still been negotiating with the companies regarding repaying the debt, It will be very close to 6yrs since i last acknowledged/communicated with the companies regarding the debts.

 

In these six years i have not lived at the address where the finance was taken out, though it is still my parents house, and i have been offered a social housing property in the same city that i would really like to settle, including registering for council tax/ to vote etc. I am wary of doing this unless it is not quite six years and being discovered now would mean me being liable for the debt which id like to avoid!

 

I have been considering sending letters to my debtors to enquire as to whether the debts are now statute barred for recovery, though i obviously dont want to use my new address, and i would also like to throw any DRAs off the scent by doing this using an address in a different city but do not know if this is possible!

 

also i was wondering whether i send the letters to the original companies that i took loans out with (Egg, Natwest, Alliance and leicester), or whether i send them to the companies that my credit file sugggests i now owe the money to (Cabot, Lovell, etc)

 

any advice on the above would be much appreciated! i have learnt my lessons from the past but would dearly love some sort of fresh start now!!

 

Gary

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dont send anything to anyone.

 

its up to them to PROVE the debt is not SB'ed

not you to prove it IS

 

BTW: the only form of communication which 'could' reset the clock would be a letter SPECIFICALLY stating i ack this debt and signed by you to the fact.

 

ignore them all

get on with your life

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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sound advice, as long as you haven't admitted the debt or made any payments to the accounts just get on with your life.


If my advice helped you please click my star

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Thanks for the advice folks, what would be your advice regarding registering myself at my new property? i have obviously had to give the gas/electric companies my details for them to turn the supply on, and have refused to give them an old address, just said that i have lived abroad for several years, i wouldnt mind getting the phone turned on either!!

 

do you think i will be ok as long as i do not make any mention of my previous address, and possibly 'forget' to give them my middle name!!

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To be honest you sound as dodgy as a nine pound note to me as what you are doing is tantamount to theft.

 

Some people are in gennuine need and make mistakes, others just want to get out of paying debts back...

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with all due respect Ganymede you dont know me from adam do you! In all fairness i think i was certainly naive to run up £20,000 of debt by the time i was 21, but the finance companies must take some portion of the blame in allowing me to do so considering i was an apprentice earning £130 per week. Whilst it is no business of yours at the end of my apprenticeship i worked in Finland/Belgium for 5 years and have now come back and yes, perhaps it is dodgy of me but i would prefer not to pay these debts.

 

So i do think i made genuine mistakes in running up this debt, and am now a student and honestly couldnt afford to repay the debts, what business this is of yours im unsure of? i asked for advice not criticism, no doubt you have never done anything that is morally questionable in your time on this earth. Idiot

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if you have not paid anything since feb 2004 staute barred anyway, as long you have not acknowledge any time in between I believe, + they probably got tax relief to offset lose??


:mad2::-x:jaw::sad:

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Thanks mike, well i think ill just be keeping my mouth shut until i get a knock on the door or letter through the post, then take the statute barred route to try and extricate myself from owing the debt, then the cca route etc

 

thanks

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with all due respect Ganymede you dont know me from adam do you! In all fairness i think i was certainly naive to run up £20,000 of debt by the time i was 21, but the finance companies must take some portion of the blame in allowing me to do so considering i was an apprentice earning £130 per week. Whilst it is no business of yours at the end of my apprenticeship i worked in Finland/Belgium for 5 years and have now come back and yes, perhaps it is dodgy of me but i would prefer not to pay these debts.

 

So i do think i made genuine mistakes in running up this debt, and am now a student and honestly couldnt afford to repay the debts, what business this is of yours im unsure of? i asked for advice not criticism, no doubt you have never done anything that is morally questionable in your time on this earth. Idiot

 

 

I have debts but I pay them thanks.

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To be honest you sound as dodgy as a nine pound note to me as what you are doing is tantamount to theft.

 

Some people are in gennuine need and make mistakes, others just want to get out of paying debts back...

there is no need whatsoever to be rude to someone asking advise..ignore it gary xxx

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To be honest you sound as dodgy as a nine pound note to me as what you are doing is tantamount to theft.

 

Some people are in gennuine need and make mistakes, others just want to get out of paying debts back...

 

if the law says someone doesn't have to pay for whatever reason, then thats that. AFAIK debt 'avoidance' itself is not illegal!, just like tax 'avoidance'! :) (unlike exceeding the speed limit which is a criminal offence! :) were you hoping to avoid culpability? if the law said you didn't have to pay a speeding fine, would you still pay it?)

Edited by Ford
typo

IMO

:-):rant:

 

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