PPI and SB

[truaguns]

Hi all,

 

I had a load of credit cards loans that haven't been paid or acknowledge since Feb 2011, defaults were applied, the last being October 2011. So that's when the last of them fall off my credit report, later this year, although some already have.

 

I'm thinking of putting in PPI claims, but don't want to see this as acknowledging the debt, thus restarting the 6 years for statute barred. I assume applying for PPI refund is considered acknowledging the debt? Most of them were sold off to Debt Collectors years ago so are no longer with the original Bank/CC company.

 

I also have one which I entered into a Tomlim Order, I think with a DCA rather than the loan company. Could I claim on this?

 

Just looking for advice on this really, should I wait until the all the defaults have fallen off my credit report?

 

Thanks for any help.

[dx100uk]

you cant reset SB once SB'd always SB'd

and PPI reclaim doesn't count anyway as its a payment from the OC not by you.

so off you go

 

do it properly mind

esp if the debts have been sold on.

 

sar get all the statements

use our spreadsheets

and the FOS customer questionnaire

 

those still owned by the OC they might and can offset it as SB in E&W only removes enforcement of judgements

the debt still exists.

if owned by DCA, then there are instances of the OC buying the debt back to offset too

[truaguns]

Thanks dx.

 

With regards to the one that's currently in a tomlin order (until January 2018). It's a northern rock loan. I paid most of 13k then when I couldn't pay it ended up with Marlin (who the tomlin order is with).

 

Should I leave it be until the tomlin is settled?

[dx100uk]

no why?