Thank you. I'm still awaiting access to Equifax, the other 2 CRA are clear then I'll be able to see some dates hopefully. I've been frantically reading the forum this morning and finding it all very interesting, and the amount of profit these guys make must be crazy. £1 for my debts? Dear Lord.
I'm sure it wouldn't have been over 6 years years yet.
I'll continue my reading and wait for my Equifax report.
But in the mean time you're saying I shouldn't make a move yet or send anything?
as you've seen with your other claims
GISC was around then so good chance, where as with FNB or whomever they would not have been regulated till 2005ish, insurance providers were.
pers at this stage i'd not go into too much detail else they'll know what you know
it would be better to use their webportal PPI claim link if they have one?
your best move here is to get reading up on CAG
no don't start payments no .. you'll reset the sb date when p'haps nothing is owed at all or nothing they'd successfully litigate over.
bank OD debts are notoriously difficult to secure a CCJ on if defended properly as they in most cases generally consist of penalty charges for breaking some limit or other rule and the associated interest these attract, and the authorities are down on record as stating such charges are unlawful etc etc.
the debt buyer [hoistuk] paid about 10p=£1 for the debt bit will ofcourse chase the whole sum hoping to find a mug that pays!!
or as in your case send 1 letter to the current cra file address then be smiling when they don't get a response as they know they'll get a default backdoor CCJ for that full amount [tidy profit here -even bigger smile] because no human ever checks anything its all automictic.
some 750'000 CCJ's are issued every year.. 85% are successful because they are backdoor.
paying a dca does not stop them doing court,
as this debt is not showing i'm wondering if your dates could be slightly wrong and in fact the OD was defaulted more than 6yrs ago so would now not show on your file anyway?
Thanks again dx
Found their address and website.
Is there a standard letter for Underwriters or just send usual PPI Complaints letter with a few extra comments regarding Underwriters involvement?
Also is there a website to enquire about their regulation?
Cheers for looking.
Is it so long....? .yes I do recall your username.
Best to start off with a DSAR to the Trust and get all your data...then take it from there...but do not get involved with CCI ...they are mere ambulance chasers...pardon the pun.
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!