Jump to content


  • Tweets

  • Posts

    • I'm really not sure what all the above refers to and why you are bothering with it.   This is an overdraft current account ?   You entered into it in Scotland ?    Claim was issued 14/09/18   The last payment date by YOU was 18th Nov 12   Section 78 is not applicable to overdrafts.   Andy  
    • Hi Andyorch.  Todays good news is - the matter is now dead 😀   Many, many thanks for your help and advice.
    • Hi Guys,   My friends wife ignored letters from Horizon Parking and their solicitors and now has a CCJ registered on her credit file.   Stupidiy, she also ignore the claims form which come from Northampton Bulk centre as it looked photocopied and she thought it was fake. At the same time her work colleague did the same.   Her work colleague went to stand as guarantor for her daughters loan and got refused, she has now found out that a CCJ has been registered two months ago, so my friends wife checked her credit file and has the same, from two months ago.   Both received claims forms and didn't fill them in. Neither of them have received notification of judgement however. I am right in saying still that they should of done and would of been given the opportunity to pay the claim within. month at that point and not have a CCJ permanently on their file. If this is the case, what is the way forward? Set a-side ?
    • EXHIBIT K   24th March 2019   Lowell Portfolio I Ltd 9 Savannah Way Leeds LS10 1AB   Dear Sirs   Your Ref: 1...….     MFS Portfolio Limited v Phelan West (2019) I write to draw your attention to recent successful appeal case regarding a personal current account with overdraft facility; the decision was made before HHJ Walden-Smith sitting at Cambridge County Court. In this instant case the Appeal court found the personal Current Account Overdraft agreement to be unenforceable pursuant to the Consumer Credit Act because of lack of evidence of compliance with the requirements of the OFT determination. It was also accepted that Creditors must comply with S 78 Consumer Credit Act 1974 requests relating to personal Current Account Overdrafts, not just credit cards and loans. In this case the Appeal court did find that MFS Portfolio Ltd had complied with the S 78 Consumer Credit Act request. If they hadn’t complied with the statutory request then the personal Current Account Overdraft would have been unenforceable pursuant to s.78 (6) (a) Consumer Credit Act.    In view of foregoing, I note that your company have failed to comply with S78 CCA 1974 therefore your claim is unenforceable. So it is in your own interest (and to save cost) that I demand yourselves to discontinue this matter with immediate effect, otherwise I would be seeking compensation awarded against your company through the court for my time and legal cost to myself for consulting solicitors for advise in defending this claim which I consider not valid since you couldn’t also substantiate it when ask to prove it.   Yours sincerely
    • Hi Micky,   The letter you sent was your Prelim Letter and you should send an LBA before issuing proceedings.   1. Who replied to your letter that was taken in to the Chingford store - eg was it the store manager.   I suggest you send your LBA to the store Head Office enclosing a copy of the original letter and give them a final 14 days to reply and refund.
  • Our picks

Elvis2016

Fidelite chasing almost 10 year old debt

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1008 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi

I took out finance for a car loan in 2007/8- for around 6k,

the car was recovered due to me not keeping up repayments and sold on in about 2008.

 

Following this i never repaid any other money

the debt was chased by about 5 diff DCA and

 

in 2009 a county court judgment place on my file.

I never made any payments and now the CCJ is not on my credit file as 6 years has passed.

 

Today my dad contacted me to say someone had knocked on the house and hand delivered an envelop

in it was a card to call fildelite urgent

 

- I called them to find out what this was about and confirmed that a envelope had been left at the address for me to call

 

- a lady then told me i owe them 8k for a loan to Cabot

-this one of the DCA the debt went to at some point over the years.

 

I told the lady that if they want payment they will have to go through the courts as this is many years old now.

 

Have i done the right thing, has anyone encountered Fildelite?

 

Will they send bailiffs to my parents address ??

Share this post


Link to post
Share on other sites

Fidelite are scotcall or were

 

they are a DCA

they are not bailiffs

and have NO LEGAL POWERS WHATSOEVER.

 

if they do appear

CALL THE POLICE.

 

the CCJ is older than 6yrs and is unenforced

so bugger all they or anyone can do about it now.

 

and I bet cabot weren't even the claimant on the CCJ?

 

so are trying it on.

to see if they can mug you.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Thank you - i was stupid many years ago when took a high interest finance loan out on a car, it was originally with someone else, then transfer to moneybarm, then cabboot and now Fidelite.

 

I was concerned as the CCJ is now off my credit file and I am worried they will try the court root or try and remove good from my parents.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...