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    • OK thanks, I noted them down when I checked the report - 3 have already expired, although if I'm adding the 14 days on then it'll be another week or so for those. The others are; end of July (so into August is that right?), end of August (these two are the big ones) and a couple of grand on Shop Direct at the end of November but seeing as this furthest one is Lowell and they have already missed those first 3 then I feel pretty safe with that one. Are these DN dates on the credit report that dates I should be looking at +14 days when their anniversaries come up this year as the time when I can be sure the debts are SB?  I won't be rushing to send the SB letters anyway until the final one has passed and I can just do them in one fell swoop.
    • pdf's merged and properly named. thread title updated. word fine replaced by charge in post one....they are not fines mere speculative invoices. just type no need to keep hitting quote.   dx  
    • Nice work dx, much what I thought and glad to have it confirmed by the expert. Radio silence remains my game plan, I have been resident in Scotland since birth and although I had moved a couple of years prior to defaulting, all addresses were updated and I am confident all begging letters are coming to my current home address. I appreciate the info that they probably wouldn't get a claim in by Aug anyway - I think I'll hunt out my big box of badness in the next few days just to see if I can find any default notice letters so I can pin down some dates to satisfy my semi-OCD. Much obliged, and unlike some others i will look to update in the future as I certainly intend to send them the SB letter as I like to pull the chains of these types of cretins! Of course i'll be back to confirm the correct procedure if I get any "proper" legal letters other than the usual Overdales toilet paper type of scare tactic.  
    • statute barring in Scotland is 5yrs from last payment/use date or date of default Notice + 14 days, whichever is the later. dont confuse that with the 6yrs debts show on credit files (DN's 6th bday regardless to payment or not). they'd never get a claim raised by august in 99% of cases . as long all these debts were taken out whilst resident in scotland and you have not moved since taking them out but failed to inform the original creditor before the debt sale....... then stay radio silent until sb date is reached. then if you wish send our scottish sb letter. just remember unlike E&W in scotland debts are extinguished, dead , gone , parrot. once SB'd dx  
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Windows defender


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download and install

microsost security essentials.

 

http://www.microsoft.com/security_essentials/

 

if defender is turned off

i would be slightly worried about a background trojan running

 

unless this is a result of your PC having norton bloatware installed.

or another diff type of anti-spyware running.

 

give us more info.

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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canwe ask a simple question

 

why do you think you need to turn it on?

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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well no

it's prob got nortons or something installed already

 

many if not all third party anti virus/trojan need to disable defender.

 

don't forget, two AV packages running, will often slow a PC and p'haps negate the idea it is better protected.

 

i think your best bet is to run an online scanner like:

 

http://onecare.live.com/site/en-US/center/howsafe.htm?s_cid=mscom_msrt

 

or

 

http://housecall.trendmicro.com/uk/

 

this will give you the piece of mind there is nothing untoward on the machine.

 

what made you doubt the machines integrity?

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 2 weeks later...

I have Defender running on Windows 7 also. If anyone needs to enable the hidden admin account (Vista and Windows 7) you need to:-

 

Run Command Prompt (cmd) as Administrator and type net user administrator /active:yes

 

Then log out or restart, you will be able to use the admin account.

 

To disable it again do the same thing but type no instead of yes at the end.

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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pers , i's install microsoft security essentials

 

that has its own anti spyspyware

you dont need two id you have that installed already

thats prob why defender is not running!

its purposely been didabled!

 

dx

 

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

imo

if you want to stick with MS, and you're thinking of using Win Def, then use MSE instead. MSE is alot more effective than the outmoded WD. MSE is also competing well re effectiveness against other AV's.

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