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Morning.....

 

I have a bank account due to drop off CRA in October this year.

 

The first marker 1 month late is may... What would be the SB date may or Oct ?

 

When can I stop worrying about any potential action ?

 

No contact for many years CRA is updated with current address.

 

Majority of balance it is > 1400.00 is charges so happy to let dogs lie. I imagine this is why no action taken against.

 

Only got an OD on this account as an upgrade as I needed to pay for a season ticket for 1st months work after being out of work on disability for a few years, they were also taking charges from benefits despite the letters I sent at the time right of appropriation if i remember this was 2007....

 

So I think let it be, just wondering as looking to mortgage this year....

 

 

Thanks

 

N

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no defaulted date in the debt summary?

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Default date is Oct 2010 1 month late marker is may 2010

 

Just wondering if 6 years is technically when the payment was overdue or defaulted

 

Tx

 

C

 

In fact I stopped using this account Dec 2009 and returned card / chq book to branch.

 

 

It was maybe 200.00 od ( I would need to sar if it came to legal action).

 

 

I requested account closed, they refused, and wouldn't take the cards back .

 

 

I ended up walking out and leaving them.

I did ask them to tell me the balance so I could transfer it from my new account with another bank but they couldn't calc it there and then.

Never heard from them since.

 

The diff > 1k is charges unauthorized od 35.00 quid, rejected DD 25.00 quid etc - it must be.

 

C

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I would say SB runs from july

 

 

but it wont drop off till oct 2010

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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