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status barred 5 years ? reclaiming charges


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hi

I have got afew accounts which have had charges on ,

 

i have not made any payments to these accounts for just over 5 years now so i believe these are status barred

 

if i goto reclaim the charges does that reset the status barred time again ,

 

also if a company has not got a signed credit agreement

 

can they put a default on credit file .

 

many thanks for the help

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Statute Barred in England and Wales is 6 years from the Cause of Action.

 

Even if an account is SB, if the account is still with the original creditor then they will use their right of set off to put any refund against the balance due. If there is any excess then it will come to you.

 

If the account has been sold then any amount that you are awarded (if successful) should come to you.

 

I would suggest that a charges reclaim will reset the clock, yes but only if it is not SB yet. If it is SB then nothing can reset the clock.

 

As regards your question about defaults, yes they can.

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Even after the SB date, if the account is still owned by the original creditor then they can offset any refund against the amount owed to them.

 

In that scenario it will only be worth it if the amount of charges and associated interest being claimed back exceeds the amount which is due to them.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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