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Hi all time for some help


Johnthomas
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Hi all I wonder if you can all help me,

 

I was unsure where best to place this as it is related to several different lenders...

 

In October 2007 I split up with a partner during the mess that followed I did not have the funds to pay any thing into my main lloyds account...

 

So as of October 2007 nothing was payed into my main account in turn every thing defaulted.

 

I in turn lost my job and moved away in 2010 I came back to the UK and recived some letters but have since not responded to any thing I was aware that there was a 6 year period to the debts coming of the credit files and made the decision to check noodle as of December 2013 to see where I stood and to see if I was at last going to be free again.

 

Now these debts are not gone and some have quite long default dates I am aware that by accessing the report I will now get more letters but I wish to deal with them now as I have had enough of the letters....

 

As I said I am 100% that no money was paid to any of the debts since October 2007.

 

 

The debts are now showing default dates as follows

 

A credit card showing 13/5/2008

A credit card showing 28/3/2008

 

A personal loan showing 1/3/2008

 

A personal loan showing 13/02/2008

A personal loan showing 31/10/2008 ( this is a lloyds tsb overdraft if I remember right)

 

Other accounts 14/01/2008

Other accounts 31/10/2008 ( lloyds tsb main account)

Other accounts 29/10/2008 ( for some reason seems to be two accounts for lloyds tsb seems a double up to to me)

 

I had some questions after reading the site and I wanted to confirm a few things.

 

 

1. It is from the date of last payment not the date of default that the account becomes statute barred.?

 

2. I should request from lloyds tsb ( the main debt being chased) the information they have on me as this would show the last date money was payed in to the account?

 

3. The lloyds tsb debts that show default all around the 31/10/2008 are a year after any thing was payed in to the account would this be unfair to place on th CRF after nothing was payed into the account since october 2008 and could I do any thing to reduce this default notice?

 

4. Should I send STB letters to the debt companys now or wait in till I have all the information back from lloyds e.t.c?

 

Thanks for the help

 

John

Edited by Johnthomas
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Thanks for the quick reply,

 

Yes I did add the last three years of old address on noodle they showed all my old address any way or the links and in turn showed no CCJ's.

 

The CCA request do I need to send 1 for each account that I had with lloyds as I had a credit card , overdraft and currant account with them ?

 

Thanks

 

John

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Hi and welcome to CAG

 

I agree. Why poke a sleeping dog?

 

There are varying discussions over the dates of Statute Barred.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Thread moved to General debt issues.

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Thanks for the reply's,

 

It is not so much poking a sleeping dog but I would like to move on with my life I have children now and a family and would like to get a house e.t.c

 

I am sure that I will get more letters e.t.c and would like to deal with them...

 

So should I get the information from lloyds as I am 100% this will show the last payment into the account on october 2007.. with this information is there any way I can get the dates changed for the default showing a year later or?

 

Thanks so much

 

John

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Looking at the dates above, the last default will fall off in less than a year so not that long really.

 

To work out what is Statute Barred and what isn't will mean looking at the terms and conditions of each account. If you don't have them, you will have to wake the sleeping dog!

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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