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Can i claim ppi from a statute barred debt?


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I defaulted on a sainsburys credit card around 7 - 8 years ago,

i paid the credit card off when i got made redundant with the redunancy money i got back in 2003 then

 

 

i could not find another job so i ended up getting myself back into debt again,

i didnt even know i had ppi with the credit card, as at the time i got full sick pay from the company i worked for.

 

I thought id chance my arm to try and get the ppi back even though i didnt know i had ppi,

i was apparently paying ppi for around 3 years.

 

I didnt pay any money back to sainsburys,

i foolishly let a solicitor try and claim ppi back from the bank of scotland

but they denied me, so

 

 

i went to the Financial ombudsman, they also said no so

 

 

i gave it to a different solicitor around a year and half ago,

just got a letter there start of December 2014 saying they are looking into the case again,

 

 

am i right to say that the debt will be statute barred

as i have not paid any money to sainsburys in the past 8 years?

 

 

the default has been off my credit report for about 1.5 to 2 years,

 

 

also if i do get any money from the ppi would it go against the old debt?

 

 

i am worried about the money going back into the debt and then i end up owing the claim company money.

 

Any help would be great

 

Thanks

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there are no PPI time limits

 

 

they can offset and yes you might owe them

 

 

pers I cant see the point

they'll offset and you'll not see the money IMHO.

 

 

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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there are no PPI time limits

 

 

they can offset and yes you might owe them

 

 

pers I cant see the point

they'll offset and you'll not see the money IMHO.

 

 

dx

 

really? what do you mean they can offset?

 

what if they have sold the debt on? i wonder if sainsburys/bank of scotland sell debts on to other companies?

 

thanks for reply :)

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if its sold they cant offset

 

 

your last cra file recording should tell you the owner.

 

 

looking better!

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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Share on other sites

pers I'd dump the cmc mind

 

 

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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just put in a claim

 

 

you'll soon findout!

 

 

pes I'd get the CMC off the case first

 

 

write to them

stop any action upon your behalf

 

 

state that it wont help you as the money wont goto you anyway or something.

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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Share on other sites

ok then comeback and lets see if we can progress this - FREE!

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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Well i have emailed the solicitor to see if he will dump the case but i doubt he will....

 

the ppi claim is already open with bank of scotland, just waiting on the outcome of the claim, they sent me a letter saying that they will look into the claim again this was over 8 weeks ago so i will probably get a letter soon, hopefully i will get the money and they wont put it against the debt.

 

il let you know either way

 

cheers

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