Jump to content


debt should be written off


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2810 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I just checked my credit file to see WF still showing, the account defaulted in may 2007, but the last payment they received of me was feb 2007. It also says account updated on 08/2012 which i presume is when the fsa wrote about the ppi and medical plan (yes i had both as they said needed them) fsa only took ppi off!!

 

this is the biggest out standing debt i have!

Link to post
Share on other sites

It is unlikely that you credit file will be updated until the end of May, check it the begining of June . however if the PPI repayment was paid to account this could amount to payment in which case the Staute Barred argument could be very difficult, if at all possible.

Link to post
Share on other sites

This entry Will be removed on the actual anniversary of the default so do you know what date in May the default was placed?

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:

Link to post
Share on other sites

Then allowing for the bank hol it should be removed any time now.

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:

Link to post
Share on other sites
Mine becomes statute barred in 16 days :)

 

 

Not that you are counting :p

 
 

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

Link to post
Share on other sites
  • 2 months later...

just gone on call credit and they re registered a default on 26/03/2013!! but debt was written on according to equifax! i know for a fact i have not paid them a penny since 2007, as it was my old address and problems occurred from them but no payment or contact was made apart from the fsa

Link to post
Share on other sites

Who has registered a default??

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:

Link to post
Share on other sites

Welcome Finance! funny enough the account was up to date till Aug 2011, which is a lie as i had not contacted them since 2007, but FSA needed information on them and that was the month they wrote and the date, 1500 was removed form the account leaving 1524 to pay but now they want 3018 (which is what is on file!)

Link to post
Share on other sites

So this is the same account that was defaulted in 2007, and removed from credit files previously??

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:

Link to post
Share on other sites

So would you like a draft letter to WF on this?

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:

Link to post
Share on other sites

yep, it defaulted in 2007.

 

Account opened in 2005, here is a payment history

 

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

2013 1,549 1,549 1,549 1,549 1,549 1,549

2012 4,568 4,568 4,568 4,568 4,568 4,568 1,549 1,549 1,549 1,549 1,549 1,549

2011 0 0 2,574 2,574 2,574 2,574 2,574 4,568 4,568 4,568 4,568 4,568

2010 4,647 4,737 4,827 4,917 5,007 5,097 5,187 5,277 5,367 5,458 5,548 0

2009 3,566 3,655 3,745 3,836 3,926 4,016 4,106 4,196 4,286 4,376 4,466 4,556

2008 2,574 2,574 2,574 2,574 2,574 2,575 3,019 3,112 3,204 3,295 3,386 3,476

2007 2,686 2,657 2,601 2,573 2,574

 

This is according to file, but it was may 2007 i never paid them again but this is 7 years worth of credit file

Link to post
Share on other sites

There is no actual default showing there, the file should show a series of late/missed payments then D.

I wonder did you receive a default notice in 2007, which was when WF went tits up, my guess is no default was ever actually placed.

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:

Link to post
Share on other sites

Yep, I had one in may 2007, I will need to go in loft to find it.

 

I noticed payments were being made on the account but not from me! As we had moved address and they didn't have that

Link to post
Share on other sites

Ok find that letter, I have some suspicions here!

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:

Link to post
Share on other sites
Ok will find it, may take me a day or two, bit should find it.

 

Even not defaulted how do i prove I never paid them from may 2007

 

Perhaps you might not have to I've seen another WF case just like this where two accounts were mixed up payments/ and defaults so fin the DN if you can and I'll help you all I can.

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:

Link to post
Share on other sites

can't find default! AGHHHH

think in the move my partner got rid of some stuff, just looked at file again i don't get the big jumbs in money, eg in Nov 2010 it was 5548, then 3 months at 0, then in march 2011 for 5 months it was 2754, then back up to 4568, then in july 2012 it went down to 1549!

 

Ive not made any payments to the account personally from 2007, and in FSA got involved in 2012 and got the PPI reclaimed but not the medical insurance

 

Im thinking I may have to SRI them :(

Link to post
Share on other sites

Yes SAR to WF asap!!

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:

Link to post
Share on other sites
Ive searched for an address for them, but can not find any :(

 

Plenty of reference on the net!!

 

Welcome Financial Services Ltd

Ruddington Fields Business Park

Ruddington

Nottingham

 

NG11 6NZ

 

Address SAR to the Data Controller.

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:

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...