Just to be clear you say your last payment to Mint was 3rd October 2014.
if that is the case there are possibilities:
a). Your last payment was a normal payment as a result of receiving the normal monthly bill and paying some part of it. If you did not then pay anything else then you would have received some debt collection letters from mint over a period of some months presumably culminating in a Default Notice probably somewhere between month three and month six. If, following receipt of that notice you did nothing then fourteen days after the date of that notice the statutory bar clock started which means that it probably started somewhere around January to April (but check this by getting SAR sent to Mint). In this scenario you could have perhaps eight months to go before the stat bar kicks in.
b). You had not paid the account properly prior to 3rd October 2014 and a DN was issued. You responded by paying and the DN became voided as you corrected the issue by paying the arrears in which case we are back to a)
c). You had not paid the account properly prior to 3rd October 2014 and a DN was issued. You did not correct the situation within 14 days of the DN being issued and as such it came into being. However, you continued to make some payments but if you did not fully pay the arrears the DN stays in place in which case your Stat Bar clock starts the last time you made a payment and this account will therefore become SBed 3rd October 2020.
Hope my logic is sound but I welcome any other CAGers chipping in here.
To be clear, did you pay Mint until you stopped paying or did you start to pay a debt collector after the account was passed to them?
Hi there, Just a query regarding Savvy. I took out a loan with them in October 2019 for £750. This would be repaid over 52 weeks at £28.27 per week.
I maintained payments on a regular basis until 20th March 2020 by which time I had paid a total of £565.40 (20 repayments of £28.27. I notified Savvy by live chat that I had been furloughed on 23rd March and would struggle too make repayments. i also emailed them on 27th March with confirmation of my furlough. They asked for Income/expenditure - not unreasonable but the template they asked me to use was shocking to say the least. I then sent them my own version drafted with help from National Debtline. This is a self service budget that I can amend and save as necessary.
Long story short and I am now back in work and my wages are back to normal. However, i am required to move house for personal reasons and the current landlord wanting the house back - well notified so there is no issue there. I have also kept Savvy up to date, especially as my family have suffered mental health issues in the early part of this year. Again i have notified Savvy, filled in a new IE form. This is the response I received.
Thank you for your email.
I have updated the income and expenditure form based on the information you have provided which shows you have a minus disposable income of £66.86, we allow £50.00 emergency cash which leaves a minus disposable income of minus £116.86.
Can you please confirm how you make up the deficit each month?
When the loan was issued in October 2019 an income and expenditure form was completed with you, can you please confirm the reason the following has increased.
Rent/ Mortgage has increased by £1,162.00
Housekeeping has increased by £580.00
Household Bills has increased by £507.40
Car/ Travel has increased by £123.80
Social has increased by £150.00.
Due to the changes to your financial circumstances we would need to see a 90 day copy of your bank statement.
Please find below a link to a system we use calls open banking, please click on the link and log in your online banking details this will automatically generate a 90 day bank statement.
I have placed your account on hold until the 12th August to allow time for the bank statement to be sent in.
They have now issued a default notice.
Any advice would be greatly appreciated before I initiate a complaint against Savvy. I have maintained reduced monthly payments in line with what I can afford. Is it reasonable for Savvy to ask for access to my bank statements. They did not ask for them when I took out their loan.
Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
I was in Sainsbury’s today and did scan and shop.
I arrived in after a busy day at work and immediately got distracted by the clothes.
I put a few things in my trolley and then did a shop.
I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
I did and they took me upstairs.
I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
I offered to pay for the goods but the manager said it was too late.
He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
The cost of the items was about £40.
I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
I feel terrible. I have to declare this to my employer and NMC.
They kept me in a room on my own with 4 staff and have banned me from all stores.
The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
I’m so stressed,
can u appeal this or should I just accept it?