DLC / LV loan enforceable after dropping off credit file?

[mrwomble]

I had lots of debts that led to a messy divorce. I am now trying to rebuild my life.

A Liverpool Victoria Loan of circa 7k has dropped off my file a while ago and is being paid in an arrangement to DLC for £60 PCM.

In the past they would have accepted a £3k settlement, but couldnt raise the funds.

 

Do i still need to pay the contributions is my question?[ATTACH=CONFIG]47285[/ATTACH][ATTACH=CONFIG]47285[/ATTACH]

[dx100uk]

a debt dropping off your cra file

because a default has reached its 6th birthday does not mean it does not have to be paid.

 

however, LV & CLC urm........

 

can you give us the background history please.

 

how did DLC get ahold of it?

 

was it sold?

 

if they sold it why?

 

who was shown as the owner of the debt before it fell of the CRa file?

 

could be that the loan it littered with PPI

and PENALTY charges that can be reclaimed too.

 

dx

[dx100uk]

ok so no ppi

 

I've taken the pdfs down as you left pers info everywhere.

 

have you all the statements?

 

dx

[mrwomble]

OK thanks for the clarification.

 

I only started looking at my CRA file in 2010 and it isn't on there,

i think it may have defaultedin 2010 but isnt on my equifax or experian report

 

To be honest i couldnt afford the repayments,

went on an arrangement

and then DLC have been after me ever since and i pay what i can.

 

They seem happy that it will take me years to clear, and the fct that the settlement offer after negotiations came down over 65%?

 

Maybe there is something fishy with this.

 

I tried PPI 3 years ago before but they said there wasn't any, even though the agreement is only the 1 page of terms attached.

 

What do you suggest?

[mrwomble]

i dont have any statements. Is it worth asking LV about this?

[mrwomble]

[ATTACH=CONFIG]47289[/ATTACH]

[mrwomble]

im trying to find out from DLC if they own the debt

[mrwomble]

DLC do own the debt.

they will now only offer a 25% dicount so i will keep on my arrangement.

Do you think it is worth checking for the unfair charges?

[dx100uk]

yes def

 

if they are offering a discount theres a reason.

 

and it MUST be a very good reason if LV sold a debt of that value.

 

get an SAR off to LV.

 

dx

[dx100uk]

other attachment unapproved too

pers details showing!!

 

please follow:

 

do NOT just use a pen...........

 

set your default scan page size to A4 less than 300DPI [150 will do]

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

but leave all monetary figures and dates.

.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

*************************************************************

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

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

..

 

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.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

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

[mrwomble]

what would you expect a SAR to show?

 

Is it possible that there are unfair charges and i may be entitled to these back.

 

Whats the best and worse case scenario here?

[dx100uk]

you need the statements.

 

 

yes

 

debts unenforceable.................ccj/co/lose house ...........