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    • Hi   With a SAR all you have to do is ask for 'ALL DATA' (this way it does not matter what format they hold that data whether it be digital, email, telephone calls (recorded), written etc).   They then have 30 Days to comply once they have acknowledged your SAR Request (that is unless they require ID Verification) which the 30 Days time limit does not start until they have verified your ID if requested)   Also can I add in DHL response in post#36 I hate it when any Company/Business etc. has the nerve to use the get out clause of 'Human Error'.    This is not the case as it was 'Maladministration' by DHL' not 'Human Error' as stated to you, irrespective of who/which employee of DHL made the 'Human Error' the buck stops with DHL as who/which employee made that error was Employed by DHL.
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked   goto the defence filing section  file the following:     1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied. .. ..ends..   dx          
    • I passed on the article and link to friend. Between us we will now try get the required info to the correct location so that they (whoever in the Govt) can sort out what he is owed. I will keep you updated.  This thread may help others in similar situations. Ethel Street - very helpful research.  Thank you.  Seems like you came up trumps!
    • numerous erudio/drydens claimform threads here already - use our search top right.   your appears to be statute barred as you've never heard of erudio so would not have deferred since your last direct deferment to SLC in 2013    if you wish to bother to even send CCA/CPR that's upto you but the bottom line is to erudio you've ignored everything to date yoy might also ignore a claimform.   but ofcourse you are not!!   if the above is true   pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked   goto the defence filing section  file the following: 1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied. .. ..ends..   dx      
    • Well I would want my £50 back also but hey ho if your satisfied its been resolved.....there was no way you could ever be liable anyway as your contract was with TC not RC.   Thread title updated.   Andy
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Hi I hope I'm posting this in the correct place!

 

I have almost finished settling all my debts with f&f settlements with thanks to all the advice I found on here but i have 2 issues remaining;

 

- I offered Link financial a f&f for an old barclaycard. The amount outstanding is £1440 & I offered £734

They have declined this offer and said the least they are willing to accept is £1295!

 

I have since requested a CCA which they have just written back to me to say they can't locate, therefore the debt is unenforceable.

Should I offer a small amount to settle this debt as it hasn't currently defaulted on my credit report even though I have been in a DMP for 5 years (which I have now closed)

 

-My second Issue is a Tesco loan which has been sold on to Intrum. I offered £5,404 on a £10,665 loan which was declined.

They have since provided a CCA therefore the debt seems enforceable.

This account defaulted February 2012 therefore is now not on my credit report.

I am now in the process of offering £7,000 but really can't afford anymore than that.

 

What are my best options for the above please, any advice is greatly appreciated.

Thanks

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The 1st one forget about. You'll get some letters every now and then but they already said its unenforceable.

 

The second one the offer seems reasonable. It just depends on how you want to play it.

Others will advise on the legal ins and outs

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Thanks for the quick response sgtbush! If I don't pay anything though won't they default me?

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How can they prove your n default of something they cant prove you've ever had.

 

Its like me defaulting you on your credit file

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bet the debt was defaulted years ago by the OC

it cant be defaulted twice!

 

no cca = NO PAY!!


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start a thread in the other institutions forum for the Tesco loan and scan up the CCA return to ONE multipage PDF

read upload


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But it's showing on my credit file as up to date so can't they then put a default on it?

 

I'm sorry I'm new to this so am unsure what you mean!?

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Link dead in the water so dont offer anything and stop apying them if you are still doing so.

Did you get a letter telling you the debt was assigned to Intrum at the time? If not it may be they dont actually own the dabt, merely manage it and then they cant actually accept an offer becuse it is above their pay grade to do so.

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Go ring BC and ask when they defaulted the debt

They must do this before selling it to a DC A


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Yes i did (it was first credit but has just changed to Intrum)

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do post 9 please


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