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    • No, but all you'd do is blindly run the statute barred date for another 18 months. Just sit on your hands until you get a letter of claim, then send a CCA request.  
    • Just like last time, Evri requested more time so they have another 2 weeks
    • Just an update, finance company rejected my complaint saying they've found damage but can't tell when it's from even though I've shown them how the front end is misaligned in the advert photos compared to another identical model car they're selling.  Dealership now want to charge me to get the car brought back to me but will only discuss over the phone which seems off. They're also saying no damaged was picked up by JLR main dealership before I purchased it but my local JLR dealerships till this day haven't mentioned the damage to me because they don't go into stuff like that for some reason lol  Ombudsman case is still open, not sure if I should leave the car with them or just pay to have it brought back.
    • Hi all, I get esa and pip,  I have £1200 in arrears that I owed my ex partner, I have been paying £100 per month to clear this debt that was setup by standing order, as I have complex needs I forgot about this standing order and have overpaid mainternance by around £4000, I told CSA I am happy for my ex partner to keep overpayment I do not wish to seek anything back, however they have declined to take of the sum of £1200 and are still saying I owe this to my ex partner. In my second question it was announced that pip would stop for mental health, I don't understand the link below Disability benefits system to be reviewed as PM outlines "moral mission" to reform welfare - GOV.UK WWW.GOV.UK The Prime Minister has outlined a package of sweeping reforms to put work at the heart of welfare and... Does this mean my money is going to stop? I have spoken to my key worker and I am already recieveing help from mental health team and complex needs team along with connections and mind, I just don't get what is going on.
    • No, i haven't had one for about 10+ years. I am thinking of just going to the court in person and pay at the counter
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debt should be written off


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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!

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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.

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

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

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Mine becomes statute barred in 16 days :)

 

 

Not that you are counting :p

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  • 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

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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!)

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

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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

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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.

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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.

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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 :(

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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.

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