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Hypothetical question here


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Had a letter from CPP about claiming back mis-sold protection policies.

 

They don't give specific details of which organisation sold you the policies,if at all,this comes when you make a claim.

 

Now,

if you already have an account with Lowell,

which you have classed as time bared and refused to pay it,

 

 

would a successful claim and rebate under the CPP scheme negate the time bar issue as you would have acknowledged the debt?

 

I'm not claiming under the scheme.

 

Cheers,

 

Fallback.

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My understanding is if the account is already time-barred it cannot become un time-barred even if you choose to voluntarily make further payments or admit that you were previously responsible (although I would advise against doing either)

 

If an account was in the 6 year period it would be worth looking closely at the wording of the CPP letter, however my own view is that an admission that a CPP policy was purchased with the card (in a purchase that is acknowledged as likely to be flawed) would not be an admission of the debt. However for anybody in this situation who is concerned started your own thread detailing your specific circumstances will hopefully bring experienced help

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My understanding is if the account is already time-barred it cannot become un time-barred even if you choose to voluntarily make further payments or admit that you were previously responsible (although I would advise against doing either)

 

If an account was in the 6 year period it would be worth looking closely at the wording of the CPP letter, however my own view is that an admission that a CPP policy was purchased with the card (in a purchase that is acknowledged as likely to be flawed) would not be an admission of the debt. However for anybody in this situation who is concerned started your own thread detailing your specific circumstances will hopefully bring experienced help

 

That was my reason for starting this thread,to make others aware.Good advice from you.

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as with PPI reclaims CPP is the same

 

 

it not 'you' making the repayment so it resets nothing.

 

 

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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