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    • Are these the important pages I need to upload ? 1.  pages 1-4 are court form 10a 2.  2 pages of the CCA agreement  3.  Default notice from NewDay, 22/02/20 4.   Lowell letter stating they own debt ,     Dated 16/11/20 5. Unheaded letter also dated 16/11/20 from NewDay saying they assigned “all of the respective rights etc,”  to Lowell on 23/10/20 I make this 9 relevant pages from what I can see   ( all other pages are statements/default notes and lots of FCA info sheets) just needing your confirmation in advance as I don’t want to send over pages that are not required thank you  UCM      
    • Just out of curiosity aesmith - are you a lawyer?
    • I spoke to a pro-bono entity this afternoon.  They advise I must initiate a claim in the court v the receiver if I want to then file an application for an order for sale.  I must have a claim/ proceedings to be able to force a sale. The judge in the current proceedings  has told me that I cannot force the lender to sell and the lender cannot interfere either.   If the receiver isn't acting correctly and isn't selling - this means I must make a claim against the receiver I could initiate a claim. Or much quicker  - the other entity - with a charge already - could use that to make an application for an order for sale.
    • Thanks Dave It's not too far away, about 8 or 9 miles, so I will probably venture over on my bike if I can't think of a good reason to drive there again! I'll have a chat with Mrs GB_Joe tomorrow and see which shops they visited, I know M&S was on the list (had to try on multiple sets of trousers!) and they are actually in that bit of retail park. The uniform shop is across the way in the Meridian Centre, so probably not helpful to get them involved.
    • As they have failed to deliver their original PCN you will need to send them an SAR where they should provide that PCN. It should show the address they used . If it is not your current one that would explain the non delivery. If it was correct then perhaps the Post office messed up. A more cynical view would be that UKPC didn't send it so that you couldn't claim the reduction. It appears that UKPC have been there for some time  but I have been unable to find any pictures of their Notices.The leisure park itself is pretty big so while some parts maybe give 5 hours free parking other parts may have restrictions like permits. I haven't been there for years -I went  to Nandos and the bowling centre . I am surprised that they are now infested with UKPC as the place is plenty big enough not to require their dubious services. If you live not to far away it would help if you could get some legible pictures of their signs. Be carful to park in an area that doesn't require a permit and take photos of the entrance signs, the five hour sign and the permit only sign as well as any other signs that are different from the previous signs. Also if their is a payment machine could you please photograph that.
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Claiming ppi when the debt has been sold on....


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HI

Ive got a quick question about claiming ppi. i had a loan with a company years ago over 10. the debt is now statute barred, they sold the debt to a dca but because it was statute barred no further action was taken, however the debt obviously still does exist and i am keen to pay it off. the original loan company still exists and my question is if i claimed ppi from the original company for miss selling me ppi will they pay me so that i can then pay the dca off or will they keep the money...

 

i was told at the time by taking out ppi would mean i would get the loan and if i didnt then the outcome would be different

 

any information would be greatly appreciated, i am aware that theres no definitive answers as to what a company can or cant or will do but if anyone has any info then i would be very grateful thank you...

 

cheers

:-)

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If the account has been sold on then there is no right of set off and the refund of PPI should come to you.

 

However, some businesses buy back the debt in order that they can set off.

 

Who was the original lender?

 

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Hmm I don't think I have heard of them buying debts back in order to set off but they could try it.

 

If they do then you won't get the refund.

 

If they don't buy it back then the refund should come to you.

 

Just as a matter of curiosity, why are you wanting to pay back an SB debt....is it just that you feel morally obliged to?

 

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yes i am looking to go bankrupt but just cannot afford the 600 pounds to do so, and if i can pay of my debts with the ppi money that i was miss sold then thats great im happy with that. if they did buy back the debt and use the ppi money to set off the debt then i take it that will be paid off then......

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yes i am looking to go bankrupt but just cannot afford the 600 pounds to do so, and if i can pay of my debts with the ppi money that i was miss sold then thats great im happy with that. if they did buy back the debt and use the ppi money to set off the debt then i take it that will be paid off then......

 

Whether the debt is completely cleared will of course depend on the value of the PPI refund.

 

You are aware that you don't need to worry about SB debts? While morally they still exist (if you are in England and Wales), they cannot be enforced at all so you could if you wish just walk away from those ones.

 

It is your call but just wanted you to be aware.

 

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yes of course the amount would depend whether it would clear the debt, im guessing that just because im claiming ppi on a debt that is statute barred doesnt mean that the debt then becomes non statute barred because im claiming ppi on it does it......and thank you for all your advice people...

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yes of course the amount would depend whether it would clear the debt, im guessing that just because im claiming ppi on a debt that is statute barred doesnt mean that the debt then becomes non statute barred because im claiming ppi on it does it......and thank you for all your advice people...

 

 

No...when it is SB then nothing can un-bar it.

 

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