Jump to content

 

BankFodder BankFodder


darrenwillo

DEbt only just defaulted after yrs of '6' markers - is this fair?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2543 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I have one for £8600 with welcome finance for a car on hp

would that be statue barred i havent made contact with them since 2 months after i got the car that was in 2005

 

is that one satutte barred as thats on mt credit files as just defaulted in dec 2012

when i took the loan in 2005 and its been updated on my credit file in dec 12

Share this post


Link to post
Share on other sites

update is not the default date

 

there should be a line that says defaulted date....dd/mm/yyyy

 

dx


..

Share this post


Link to post
Share on other sites

hi dx yep the default date is 18/06/2012 for welcome finance but i havent been in contact with them since 2005 is that statue barred

Share this post


Link to post
Share on other sites

dx the defaults are 1 in 2012 3 in 2010 and 3 in 2011

Share this post


Link to post
Share on other sites
hi dx yep the default date is 18/06/2012 for welcome finance but i havent been in contact with them since 2005 is that statue barred

 

Have you not paid them since 2005? If car was on hp then they would still own the car (as, earlier post)


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Share this post


Link to post
Share on other sites

the old rogue i dont get your point the car was returned in 2005 and i never owned it hp is hire isnt it to purchase and nobody owns thier car if its registered with the dvla the dvla own it your/were just the registered keeper not owner as i states on any log book issued by dvla

Share this post


Link to post
Share on other sites
the old rogue i dont get your point the car was returned in 2005 and i never owned it hp is hire isnt it to purchase and nobody owns thier car if its registered with the dvla the dvla own it your/were just the registered keeper not owner as i states on any log book issued by dvla

 

Sorry Darren misunderstood, thought as they had only just defaulted you ,you must have been making payments but not the final ones. if no payment or acknowledgment for six years should be SB. -tor


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Share this post


Link to post
Share on other sites

i'm surprised by that default date

 

that very strange.

 

SB is no payment nor ack of debt.

 

any debt that has been defaulted,

 

if you are paid/paying or not

it vanishes from your CRA file on the defaults 6th birthday.

 

you must be reading it wrong

unless they suddenly woke up

 

even then they cannot default a debt outside of 6mts from the cause of the default...i'e missed payment.

 

dx


..

Share this post


Link to post
Share on other sites

thanks for that old rogue apreciated

 

dx were does this leave me now with regards to welcome finance and yes the date is correct for their default as this is the biggest player in my 19.5 k debt.and if thier acting unfairly then thats half of my debt worries gone if there not following legislation. ei statute barring or can they put this debt up any time they feel in the future if i challenge them

 

what should my next course of action be with welcome finance:violin:

 

1 should i raise a dispute with the cra s noddle exsperian etc exsplaining that it should be statute barred as it was taken out in 2005 and i havent spoke to welcome since.

 

2 do i ask the for validation from welcome via letter ie contract

 

3 phone welcome and start making token offers any advice please thanks

Share this post


Link to post
Share on other sites

NEVER EVER phone ANYONE.

 

always by LETTER only.

 

now i still cannot believe welcome have done this

 

can you please scan up your cra file

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

DO NOT USE ANY PDF EDITOR TO BLANK STUFF, THAT CAN BE REMOVED

DO IT IN PAINT.EXE or any photo editing program

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx


..

Share this post


Link to post
Share on other sites

dx

 

im not a whizz on the computer mate

 

i have a scanner photocopier etc to do it but dont know exactly what you want me to do

 

i get you need to see my cra file

but wich one noodle exsperian equifax as welcome are on all 3 with the same date and

 

how do i get my cra file up safely without any identity junkie after a fix of my defaulted info

 

ha ha sory to be a pain mate and i apreciate you taking the time to help me too

Share this post


Link to post
Share on other sites

exp will do nicely.

 

cant you get someone else to do it that knows

 

follow the inst above

 

dx


..

Share this post


Link to post
Share on other sites

below is what i have copy and pasted from noddle but its the same with all cra i have delted my details too if you spot any info a identity junkie can use please delte this post thanks DW hope this helps dx

 

Welcome Financial Services LTD

 

£ 8,624

 

31/12/2012

Default

 

 

 

 

 

Name

Darren

 

Address

 

 

Date of birth

---------------

 

Account type

Hire Purchase

 

Account number

***

 

Account start date

23/03/2005

 

Opening balance

£ 10,340

 

Regular payment £

£ 228

 

Repayment frequency

Monthly

 

Date of default

13/06/2012

 

Default balance

£ 8,624

 

Status history

Jan Feb Mar Apr May Jun Jul Aug Sept Oct Nov Dec 2012 6

BB

6

BB

6

BB

6

BB

6

BB

D

DF

D

DF

D

..

D

..

D

..

D

..

D

..

View previous years

2011 6

BB

6

BB

6

BB

6

BB

6

BB

6

BB

6

BB

6

BB

6

BB

6

BB

6

BB

6

BB

2010 6

BB

6

BB

6

BB

6

BB

6

BB

6

BB

6

BB

6

BB

6

BB

6

BB

6

BB

6

BB

2009 6

BB

6

BB

6

BB

6

BB

6

BB

6

BB

6

BB

6

BB

6

BB

6

BB

6

BB

6

BB

2008 3

BB

4

BB

1

AA

2

AA

3

BB

4

BB

5

BB

6

BB

6

BB

6

BB

6

BB

6

BB

2007 3

BB

4

BB

1

AA

2

AA

3

BB

4

BB

1

AA

2

AA

3

BB

4

BB

1

AA

2

AA

Hide previous years

 

 

Balance history

View details

Hide details

 

 

Jan Feb Mar Apr May Jun Jul Aug Sept Oct Nov Dec 2012 8,624 8,624 8,624 8,624 8,624 8,624 8,624 8,624 8,624 8,624 8,624 8,624 View previous years

Share this post


Link to post
Share on other sites

is this enough dx best i can do for now mate with minimal computer exsperience what should i do next mate what steps should i take i wont be phoneing them advice taken

Share this post


Link to post
Share on other sites

i've created this debts own thread.

 

dx


..

Share this post


Link to post
Share on other sites

i think you need a brig letter on this.

 

i'll get someone to pop in.

 

dx


..

Share this post


Link to post
Share on other sites

thanks dx for putting it into the welcome thread and spending time to help mate its apreciated

i am new to this website been looking around it and there is bukets of good info on here wish i new about it along time ago thanks

 

whats a brig letter please ?

Share this post


Link to post
Share on other sites

our wonderful man on these issues

 

THe Brig!!

 

brigadierjcs2


..

Share this post


Link to post
Share on other sites

Arr i see ill await his comments patiently thanks DX for all your help

 

PS i have listed the debts individualy on the original thread 20k DEBT HELP .................................

Share this post


Link to post
Share on other sites

Hi looking in as requested by DX,

 

From all you say here no payment etc since 2005, 1. The default is unfairly placed. 2. THE default date is nor irrelevant as it's stat barred anyway.

Who has updated this record??

 

I'll draft a letter for you.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

Hi Darren,

 

This situation is totally wrong, The ICO states that ''defaults should usually be placed within 6 months fom the cause of action, so that entry is unfair and must be removed. Also in my opinion the debt is already staute barred which Welcome in this instance must know,so this is a deliberate ploy to extend the ''life of adebt.

So I will address both points in the letter which is a ''Formal Complaint'' and has to be sent to The Data Controller at Welcome by recorded delivery, you need to check the date it's delivered. Use the head office address DO NOT USE A BOC NUMBER.

Also you will need to send a copy of the screenprint/ paper CRA entry with the letter for clarification. So!!

 

The Data Controller

Welcome.

 

Ref: use the Welcome ref: on the CRA if you don't have the account number.

 

FORMAL COMPLAINT/ Misuse of Credit Reference File/Statute Barred Account.

 

Sir,

 

Having recently checked my credit reference files held by xxxxxxxx credit reference agency I have found that Welcom have placed an entry for an account with a default date of xx xx 2012, as I have not received an intention to file a default notice or an actual default notice regarding the allged debt this entry must now be removed from all credit reference files as I do not acknowledge any debt to Welcome Finance.

 

Further to the above having check through my credit history I have concluded that 1. The alleged debt is Statute Barred and therefore I will not now or in the future make any payment or offer of payment in regard to the alleged debt.

 

Should Welcome wish to contest the status of this alleged debt you are reminded that the onus of proof that the debt is NOT statute barred lies entirely with Welcome Finance it is not forme to prove that the allged debt is statute barred.

 

You will now cease to process all data relating to me and remove it from your records and you will confirm compliance within 7 days.

 

Now to the more serious matter of the obviously deliberate manipulation of data placed on credit reference files, as this allged debt is well passed the date when a default should be palce ie ''within 6 months of the cause of action'' (ICO Technical Guidance on Defaults) it is manifestly clear that this has been done to unlawfully extend the ''life'' of the allged debt is an attempt to recover it.

 

I demand that all entries made by Welcome Finance on ALL credit reference agency files are removed immediately as they are damageing to my credit profile.

 

I require Welcome to fully explain this manipulation of the data in writting together with confirmation of compliance with the Statute Barred alleged debt within 7 days of the date on this letter.

 

A complaint is to be sent to the Information Commissioners Office fortwith in regard to the manipulation of the data to obtain financial gain.

 

This letter is sent by recorded delivery and receipt will me checked..

 

 

That should shut them up!!!


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

brig your a star mate that sounds excellent ill get onto it tonight im realy happly that was my biggest wory thanks your time is greatly apreciated

........

Share this post


Link to post
Share on other sites

big do i send both to noodle exsperian an equifax thanks

Share this post


Link to post
Share on other sites
big do i send both to noodle exsperian an equifax thanks

 

Experian Equifax & call credit

 

Your very welcome please keep us up to date on this.

  • Confused 1

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...