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fredsed

Robbersway for HPH2 chasing old Tesco Credit card 'debt'

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16 hours ago, fredsed said:

I am able to log in to MCOL using my gateway password.

I had a claim issued against me back in 2014 for another debt that is now stayed.

 

When I log in it takes me to a homepage, it says that I should be able to view any claims issued against me.

The 2014 claim has been removed as it's now over 3 years old. 

 

 

Ah okay I wasn't aware you had previous :becky:

 

Depends on what date they issued the Default Notice.....+ 14 days.


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let it run


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42 minutes ago, Andyorch said:

 

 

Ah okay I wasn't aware you had previous :becky:

 

Depends on what date they issued the Default Notice.....+ 14 days.

 Hi Andy unfortunately yes I do.😒  I believe the DN was issues end of August 2010.

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2010?


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then it bears no relevance to SB date - its well expired.

 

 


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Ok now I'm really confused. I thought a debt became SB 6 years from the date of last payment/acknowledgement? 

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Just now, fredsed said:

 Hi Andy unfortunately yes I do.😒  I believe the DN was issues end of August 2010.

 

Then subject to date in August it was issued your debt will become statute barred  on that date in August 2019  +14 days

 

The powers that be have decided that the cause of action date is the date that Limitations run from (The default notice date +14 days )

 

Not that we agree 

 

Andy


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the dn was 2010

6yrs has well expired??


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" Is this debt now SB? Last payment from me received by Tesco 9th July 2013. "

 

And the default notice was issued in 2010 ?


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Yes DF notice def 2010. It seem I made some payment via a DCA to Tesco for a couple of years. 

 

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Hi Andy...I made a series of £10 payments from mid 2012 to July 2013. Money paid from my account 1st or 2nd each month by DD paid to Tesco via DCA (Fredrickson) sols who I think were the now defunct Brian Carter. The Tesco statements show the payments being recieved some 7 days after the payments left my account!

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Okay so .....last payment July 2013 ...Statute Barred July 2019 :becky:

 

 


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Hi Andy thats brilliant news :-)  Is it SB from when the money left my bank or from when it reached Tesco?

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see if they bother to reply with anything

and if they say they now want payment..they can have a nice warm SB letter in reply.

 

good work.

 

 


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Oh that is wonderful news....

 

I have a few other debts that now die with this one.

 

Apart from the 5 year old stayed claim and a couple of smaller debts that I'm dealing with this is now behind me.

My credit record is sound and I'm am pretty much debt free.

 

If it hadn't been for you guys on this wonderful site I would have crumbled and given in to the DCA's demands.

You have simply been brilliant.

Your patience and guidance has been invaluable and because of it I have been able to help myself a number of friends who were in a similar position to me.

 

I will always be hugely grateful for that........

A donation for you from me will follow shortly.

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