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yesilgozlerim

Hitachi personal finance

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CAG  spell checker here I expect poked its nose it..

well without a default notice Lowell wont be going any whare near a court then...:lol:

 

as already explained if you read your thread from post 1 again

they don't have to default the debt upon sale or earlier but typically do

probably appear once lowells entry pops up there soon I expect.

 


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The agreement has been assigned and the amount wrote to zero therefore the account has been terminated.The fact that they have not registered a default is in your favour in one way.,the lack of default notice and more so the lack of Notice of sums in Arrears prevents the creditor from charging any interest or even enforcing the debt through court,  but it does not mean they have not defaulted you internally on their own systems...only D SAR could reveal this information.

 

Section 11 of the CCA 2006 amends the CCA 1974 - 86D - that sets out the consequences for a creditor if he fails to notify as required by sections 86B or 86C.

If the creditor fails to provide a notice when required to do so, then throughout the period of his failure (i.e. from the date that it was required to be given until the end of the day on which it is eventually provided), he is not entitled to enforce the agreement.

In addition, the debtor or hirer is not liable to pay any interest that relates to the period of the creditor or owner’s failure,

 

Andy


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issue here is the continued AP markers......


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Even bigger issue is when Lowell submit the claim form...better to be prepared.


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There’s no AP markers since my last payment back in December 2018.

 

what is a DSAR?

 

Is it worth sending a SAR to Hitachi to find out what they have on me or is it likely that Lowell will have everything now ?

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dsar is an sar<< clickme

 

lowells wont have anything bar a single line in a spreadsheet.

 

good theres no AP then

stopping payment sorted that issue then.

 

 

 


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Yes DX, but my whole aim was to get Hitachi to default me , because once i set up payment arrangements after default , AP markers won’t be recorded.

 

They just record the payments on the CRA and reduce the balance each month ( the same that Cabot have done with me for the last two years with another debt ) 

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if ap markers are not being reported you don't want nor need a default.

the only benefit of a default is to eventually get the AP markers removed when it hits its 6th birthday or get the defaulted date moved to the third AP marker as some do.

 

start another thread for the cabot debt.

 


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

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what is saying is ...once i set up a payment plan with lowell then AP markers will be recorded whereas if it was defaulted prior by Hitachi  then they won’t show when I set up a DMP with Lowell .. are you with me ?

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who says you have to pay lowells anything?

 

I doubt they'd mark it as AP anyhow.


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who says!! throw the morality card out the window

why did hitachi sell the debt on for 10p=£1

why didn't they take you to court and crush you??

something is wrong..

 

have you had a letter of claim from lowells solicitors yet?

have you sent a CCA request? [if not don't yet]

 

 


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.

 

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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

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30 minutes ago, yesilgozlerim said:

i’ve a £4333 debt so i will have to pay it off somehow 

Er more than likely probably not,

 

Of my 50 k of unsecured consumer debt, that I completely ignored, 45 k went statute barred years ago and long gone from my credit files. 5 K that I had to repay were back door CCJ's that if I'd have paid attention to this forum, I never would have had to pay back either.

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34 minutes ago, dx100uk said:

who says!! throw the morality card out the window

why did hitachi sell the debt on for 10p=£1

why didn't they take you to court and crush you??

something is wrong..

 

have you had a letter of claim from lowells solicitors yet?

have you sent a CCA request? [if not don't yet]

 

 

They only brought the debt at the end of June.

I haven’t made any payments to Lowell.

This letter i received yesterday from lowell was a ‘ Pre Legal Assessment ‘ stating that they may take legal action to recover the debt if i do not contact them to arrange a repayment plan!

and no CCA request yet 

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good well sit on your hands then!!

 

 


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

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I just shredded a ream of DCA letters from the last 10 years saying they 'may' take legal action, and never did.

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