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    • pdf's merged and properly named. thread title updated. word fine replaced by charge in post one....they are not fines mere speculative invoices. just type no need to keep hitting quote.   dx  
    • Nice work dx, much what I thought and glad to have it confirmed by the expert. Radio silence remains my game plan, I have been resident in Scotland since birth and although I had moved a couple of years prior to defaulting, all addresses were updated and I am confident all begging letters are coming to my current home address. I appreciate the info that they probably wouldn't get a claim in by Aug anyway - I think I'll hunt out my big box of badness in the next few days just to see if I can find any default notice letters so I can pin down some dates to satisfy my semi-OCD. Much obliged, and unlike some others i will look to update in the future as I certainly intend to send them the SB letter as I like to pull the chains of these types of cretins! Of course i'll be back to confirm the correct procedure if I get any "proper" legal letters other than the usual Overdales toilet paper type of scare tactic.  
    • statute barring in Scotland is 5yrs from last payment/use date or date of default Notice + 14 days, whichever is the later. dont confuse that with the 6yrs debts show on credit files (DN's 6th bday regardless to payment or not). they'd never get a claim raised by august in 99% of cases . as long all these debts were taken out whilst resident in scotland and you have not moved since taking them out but failed to inform the original creditor before the debt sale....... then stay radio silent until sb date is reached. then if you wish send our scottish sb letter. just remember unlike E&W in scotland debts are extinguished, dead , gone , parrot. once SB'd dx  
    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report? The three I have with the May date are moot anyway as either way they are gone  - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they. I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc? I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's. Thanks in advance for any advice.  
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Argos letter


Ftgab19
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Ok where can I find the limits for the budget sheets that's accepted?

 

There's an ref number, account number and sort code on a bank giro credit slip on the end of a statement from them. Can I just set up a standing order to send £1 on the best day for my sister?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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National debt line has a good source of info. Its accepted by the courts too so it's more than good enough for Argos.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Would this letter be okay? I'm still working on the budget sheet and will upload it soon.

 

Letter:

 

Account number: 00000000000000000

 

HRG Letter Ref: 00000

 

 

Dear Sir/Madam

 

I am in receipt of your letter dated 21/02/2015 concerning the above account.

 

I am sorry that you feel unable to accept the offer which I have made. I am under no obligation to share any of my medical documentation and I’m not going to.

 

I would like to remind you I have not given my consent for you to share any of my data to third party debt collection agencies.

 

The majority of my other creditors have accepted the offers made to them and I have commenced payments. I simply cannot offer you anymore because I can only afford £2.00 per month between all my creditors, and it would be wrong to cease or reduce payments to my other creditors in favor of your company.

 

The offer made to you is on a pro-rata basis, as used by the county court, and would be a temporary measure whilst I get myself back on track. To show my goodwill, I am going to commence payments of my £1 per month offer. I will also attach a budget sheet to show my income and outgoings.

 

I will update you in 6months time or before, should my situation change. Could you please as a reciprocal goodwill gesture, refrain from levying any penalty charges & freeze the interest on my account.

.

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes issued by the relevant bodies and authorities that govern you and the way you conduct yourselves.

I shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account, as your actions would do nothing to help me.

 

 

Yours faithfully,

 

My Sister

 

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Yep. Then start paying it so they can't claim you're avoiding the debt.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks renegadeimp,

 

I've added into my letter when my sister will pay.

 

Letter:

 

Dear Sir/Madam

 

I am in receipt of your letter dated 21/02/2015 concerning the above account. I am sorry that you feel unable to accept the offer which I have made. I am under no obligation to share any of my medical documentation and I’m not going to.

 

I would like to remind you I have not given my consent for you to share any of my data to third party debt collection agencies.

 

The majority of my other creditors have accepted the offers made to them and I have commenced payments. I simply cannot offer you anymore because I can only afford £2.00 per month between all my creditors, and it would be wrong to cease or reduce payments to my other creditors in favor of your company.

 

The offer made to you is on a pro-rata basis, as used by the county court, and would be a temporary measure whilst I get myself back on track.

 

To show my goodwill, I am going to commence payments of my £1 per month offer. It will be paid on the 28th of each month with the reference number (000000000000000). I will also attach a budget sheet to show my income and outgoings.

 

I will update you in 6months time or before, should my situation change. Could you please as a reciprocal goodwill gesture, refrain from levying any penalty charges & freeze the interest on my account.

 

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes issued by the relevant bodies and authorities that govern you and the way you conduct yourselves.

 

I shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account, as your actions would do nothing to help me.

 

 

Yours faithfully,

 

I will attach her budget sheet and send it off tomorrow.

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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Change 6 months to 3 months. Shows better willingness and compromise. If you say 6 theyll usually ignore it or sell the debt on.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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HRG does not serve statements beyond 90 days of persisting late payment, nothing beyond default date. It will still attempt to apply charges and interest in future without notice.

 

It may have changed in the last 3 months [unlikely] but looking at the long game on the account I'd be inclined to send it minimal correspondence [recorded delivery] every 7 months or so advising that you have not receipted a statement of account or any notices and calculate the balance to be £xxx.xx

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  • 11 months later...

Send them a copy of the letter from DWP stating you are getting SSP and do not send cheques but send a postal order each month by recorded delivery and keep the PO stub with all details to prove you have kept faith and paid the minimum you promised.

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very old thread

 

 

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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