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    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report?   The three I have with the May date are moot anyway as either way they are gone - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August so I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they.   I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc?   I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's.   Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
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How to put an end to debt profile ! sizeable cash warchest available


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Hi All,

 

There are some debts that I'm trying to deal with, some of these debts have been going on for some time now.However I have a copy of my credit report and a sizeable warchest of around £15k promised.

 

HSBC:

Credit card balance: £3,500,Unenforceable CCA,Defaulted

Loan: Balance = £4,000, defaulted

Bank account = 900, defaulted

 

Lloyds

 

Loan1: Balance = £6,500, Defaulted, taken out in 2004

Loan2: Balance = £7,500, Defaulted, taken out in 2007

Bank account = £2,700, defaulted

Credit card: Balance = £6,300, Defaulted, taken out in 2007

 

Halifax

 

Loan: £6,500 balance, defaulted, pay £1 token sum

 

I have had all the debts passed onto DCA over the years, but now I'm thinking of writing to the actual banks with a F&F, I have done this to the DCA but none has since accepted. Also, there is often confusion on which DCA to deal with as it seems to be getting passed over and over again.

 

Any ideas anyone.

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Hi,

 

On the defaulted accounts what was the date of the defaults, regarding the credit cards and loans are there any charges or PPI on these which you could re-claim ?

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Are you paying towards all of these debts? Do you have charges on the accounts or PPI?

 

Are any near to being Stat barred?

 

Need lots more info until we can give full advise.

I have claimed PPI from lloyds, this was what inspired the cash war chest, in fact got about £6k back.

None will be anywhere close enough to stat barred as we have tried to reach a resolution in the past to no avail and sadly this involves letters or token payments.

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Hi,

 

On the defaulted accounts what was the date of the defaults, regarding the credit cards and loans are there any charges or PPI on these which you could re-claim ?

 

PPI claimed with lloyds. The lloyds credit card, how will I know if I had PPI as part of it. I know the loans did as its clear in the agreements.

HSBC credit card def was in 04/2009

HSBC loan: 10/2009

Lloyds account: 03/2010

Lloyds card:09/2010

Lloyds loan:09/2010

Lloyds loan2: 06/2010

 

No payments ongoing for all debts.

Thanks in advance

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i'm a bit puzzled as to who OWNS each of your debts?

 

if they are still listed as the OC on the CRA file

certainly DO NOT pay any DCA's anything.

 

your key here is the default date of each too

 

list them.

 

i hope your ppi reund included the fact that you might have refinanced each loan with another, if this is the case?

 

as lloyds are favourite for not calculating rollover.

 

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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i'm a bit puzzled as to who OWNS each of your debts?

 

if they are still listed as the OC on the CRA file

certainly DO NOT pay any DCA's anything.

 

your key here is the default date of each too

 

list them.

 

i hope your ppi reund included the fact that you might have refinanced each loan with another, if this is the case?

 

as lloyds are favourite for not calculating rollover.

 

dx

The last post above by me lists all the default date as seen in credit file

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i'm a bit puzzled as to who OWNS each of your debts?

 

if they are still listed as the OC on the CRA file

certainly DO NOT pay any DCA's anything.

 

your key here is the default date of each too

 

list them.

 

i hope your ppi reund included the fact that you might have refinanced each loan with another, if this is the case?

 

as lloyds are favourite for not calculating rollover.

 

dx

 

Default date below

Originally Posted by maroondevo52:

 

Default dates in credit file listed below

 

HSBC credit card def was in 04/2009

HSBC loan: 10/2009

Lloyds account: 03/2010

Lloyds card:09/2010

Lloyds loan:09/2010

Lloyds loan2: 06/2010

 

No payments ongoing for all debts.

Thanks in advance

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ok so none are near sb then nor falling of through 6 yrs default. 2016 at best there..

 

what is your eventual idea behind this?

 

are you wanting a clear CRAfile?

 

none of your debts look to be owned by any DCA's

so ignore them

 

you could try the OC's

 

but, if it were ME in this situation

 

i'd not go anywhere near them with that money before i'd SAR'd everyone

got every statement i could

worked out if any PENALTY charges & PPI reclaims are available

 

then make my mind up.

 

i'd put the money in a saving account where no bugger could get at it.

 

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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ok so none are near sb then nor falling of through 6 yrs default. 2016 at best there..

 

what is your eventual idea behind this?

 

are you wanting a clear CRAfile?

 

none of your debts look to be owned by any DCA's

so ignore them

 

you could try the OC's

 

but, if it were ME in this situation

 

i'd not go anywhere near them with that money before i'd SAR'd everyone

got every statement i could

worked out if any PENALTY charges & PPI reclaims are available

 

then make my mind up.

 

i'd put the money in a saving account where no bugger could get at it.

 

dx

 

My goal is to be free of debts.

What do you mean by OC ?

I have SARd everyone, got the ones with PPI and got paid for it .

Main goal is to be debt free, as ,mentioned got almost 5k from lloyds for PPI, HSBC credit file is unenforceable.

Is it worth writing to the banks directly to settle ? And if so, should that be collective per bank or each debt separate

 

Thanks in advance

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HSBC:

Credit card balance: £3,500,Unenforceable CCA,Defaulted 04/2009

Loan: Balance = £4,000, defaulted 10/2009

Bank account = 900, defaulted [when?]

 

Lloyds

Loan1 2006?: Balance = £6,500, Defaulted 09/2010, taken out in 2004

Loan2 2006?: Balance = £7,500, Defaulted 06/2010, taken out in 2007

Bank account = £2,700, defaulted [when?]

credit card account, air miles duo accont was opened in May 2007: Balance = £6,300, Defaulted, taken out in 2007

 

halifax

Loan: £6,500 balance, defaulted [when?], pay £1 token sum

 

 

now you have SOO many old threads on these im gonna go away and read up.

 

one thing i've noticed

your two lloyds loans were a refinance

they both had PPI

so i HOPE the calcs will be correct on the PPI refund

 

did you do a spreadsheet?

 

 

gonna go away and merge all these threads where i can and get reading on each.

 

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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it seems like you keep asking the same questions by just starting a new thread each time

 

here is the 156 msgs thread from last year.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?266769-Debt-payment-tactics-!-Creditors-refusing-my-offers

 

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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it seems like you keep asking the same questions by just starting a new thread each time

 

here is the 156 msgs thread from last year.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?266769-Debt-payment-tactics-!-Creditors-refusing-my-offers

 

dx

I got the PPI calculation right as I went through CAG all the way, there has been a lot as the case is a bit complicated and all I want to do is get out of e debt tangle, reason why I have been asking loads of questions is because there are loads of debts, different players, different people replying. I think all I need is someone like yourself to ask questions for directions.

 

Thanks in advance

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ok lets start from scratch

 

have you exhusted all the reclaiming on all your debts?

 

like, have you

1. CCA'd everyone

2. requested an sar and got all te statements and checked for PENALTY charges & PPI

3. checked all you debts show on your CRAfile

 

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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ok lets start from scratch

 

have you exhusted all the reclaiming on all your debts?

 

like, have you

1. CCA'd everyone

2. requested an sar and got all te statements and checked for PENALTY charges & PPI

3. checked all you debts show on your CRAfile

 

dx

 

I have done all of the above, the ones which has a PPI claim .i.e Lloyds I already got my money back years ago, and in fact it forms almost 50% of the warechest available. Only HSBC credit card is enenforceable, trust me I have been on the forum for over 3yrs and I know how the system works. Please let me know if you need any more info.

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then thats the only one that needs an F&F then.

 

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 either you want our help or you don't - it's simple really.

 

help us to help you

 

or

 

do what you wanted to do before you came here.

 

 

your call.

 

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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my advise and my advise only

it is not endorsed by cag or anyone.

 

"My goal is to be free of debts"

 

whilst the original creditors OWN your debts

getting them to settle for a reduced amount by F&F is unlikely

as you have no PENALTY charges or PPI to bargain with.

 

regardless to if you pay them off [settle] the default of a debt

on your CRA file will still remain until its 6th birthday

 

on that 6th birthday the WHOLE ACCOUNT will vanish..PAID OR NOT.

 

so:

 

do you [iMHO] waste your warchest on this

or

save it / use it for a better life now.

 

my thoughs go with save it.

 

i have seen little evidence in all my years on here

of OC's removing defaults if you offer to settle

 

so:

again IMHO your money would be wasted

as it will not improve your credit rating.

 

now:

 

if a debt get sold on to a dCA

that changes the goal posts

 

many will accept F&F's WITH the priviso that ALL neg data is removed.

 

if or if not you continue to pay your token payments is your choice

however, whilst youare

the oc's p'haps will not sell your debts on.

 

your call

 

HTH

 

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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Thanks for response, I get silly letters from DCA offering f&f but not good enough a deal and what's the point of settling 1 out of 6 or so.

Basically I don't care about defaults on credit file etc, just want to be free of being chased. Not that it hurts, just that sometimes you want some peace and quiet, especially when you pass a certain age.

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