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    • Possibly not...thats for you the claimant to calculate the settlement figure as of that date of payment.
    • Hi hoping someone can help please. My husband sold yesterday his quad bike. It's been laying in the garage for 18 months and due to ill health,  was the main reason for selling.    The quad was put through it's MOT the previous day and passed. I advertised it and it generated a lot of interest. The only problem it had I put in the ad. The speedo was not working.    Viewings were yesterday and the potential buyer wanted to test it. Unfortunately the disc lock was on when he tried to reverse which resulted the disc brake coming off. My husband tried to remedy it but said it may take hour or so. The buyer agreed to come back with the money later which he did with a mechanic.  The problem wasnt sorted and there was a lot of swearing as the buyer wanted it. The mechanic told him to wait to see if could be fixed. They went off and came back within the hour but the job was proving a tough one.  He still wanted the quad and it was agreed we would message once it was sorted.  The weather took a turn for the worst with heavy rain so the job was put on hold til it stopped.    Later that day the buyer messaged to see how things were going. I said he may have to collect today due to the weather. As it turns out the rain stopped and job finished. We had planned to go out but my husband was too tired so i messaged to say it was fixed. He came to collect it with his Dad. It was tested 3 times by himself and his Dad all happy. The paperwork complete and money handed over, although we knocked another £20 off for fuel plus £10 he said he lost somewhere between his pocket and my hand.  It was put in the van I dont think secured hubby said. Less than hour later he messages to say it not working starter motor had gone?   Hubby went through few things but he said still not working but horn and lights were. Was getting a little annoyed as it was working when it left here and he was happy. Hubby suggested charging battery which was new. I asked him to return it but he says he cant until monday as he has no transport.    Today hes messaged. Hes charged battery up and says its just cutting out so hubby is going to look at it now to see whats wrong. 
    • most of the debts appear to be very old and have been sold to DCA's so the OC cant off set them . knightsbridge and their latter co-horts creditfix as well as the PPI reclaimers all stem from the same 'pot' of people and ex-employees etc of one firm or another and were/are only ever out to line their own pockets . we've never seen these force an issue like this to court and I doubt they ever will. it would expose their dirty dealings toward customers too much . terrible set of companies, sadly most of these IVA firms are the same.  
    • Ok that makes sense. I have another query, if the defendant states "we will pay your costs as entitled under the court rules" how does that work? I assume this relates to the interest accrued for the duration of the case. Will the defendant calculate this sum accordingly and include it on top of the full and final settlement of the claim?
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southsider

amex didn't default account till 4yrs after last payment - is this fair?

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I have one outstanding default on my credit report for a charge card.

 

 

The last payment made was before 2006

 

 

but the company Amex just logged late payments on file and didn't set the default marker for four years!

 

 

That was 2010 so it still has 18 months to run before it drops off.

 

Isn't it reasonable for defaults to be applied after 6 to 9 months of missed payments not 4 years?

 

Can anyone advise best course of action removing this as I believe it to be statute barred.

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you might get some luck if you send them a pleading letter

 

 

however, sadly there's no longer any rules or guidelines

that state anything since the latest ICO guidelines remove the unfair timescale .


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