Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Slight Update - All payments should be made by the end of this week. However the Customer Service Team are unable to say how much is due as they "Dont have access to say"  Payments should be made by BACS to your Bank Account.    Please keep an eye out. 
    • Actually just calculated it again its just under 6 months by 11 days 
    • and the hard Brexiters wont accept anything but a complete break ... despite their apparent stance on US deal rule taking. ;-/  
    • Johnson is playing a pretty good game while the corbynistas continue to prove they are anything but with their  'more democratic party' where rules are changed when the Corbynistas break them, and they try to ensure that even if they lose, there people are in permanent positions when the hard working troops lose their jobs.   Corbyn allies ‘line up top jobs before new Labour leader is elected’ https://www.theguardian.com/politics/2020/jan/26/corbyn-allies-line-up-top-jobs-before-new-leader-elected     Rebecca Long-Bailey broke Labour leadership rules but was cleared by Corbyn allies https://www.independent.co.uk/news/uk/politics/rebecca-long-bailey-labour-leadership-rules-broken-corbyn-election-latest-a9300891.html         While Johnson consolidates his wins from Labour   https://www.theguardian.com/uk-news/2020/jan/26/northern-rail-to-be-renationalised-and-some-beeching-closures-reversed   " Blyth Valley, a former Labour stronghold in the north-east that turned Conservative in the election and presaged the collapse of the “red wall”, is likely to be among the first places to benefit from the reopening of passenger services. "
    • “Variola may have been introduced to humans through such a cross-species transfer” “It is closest in DNA sequence to camelpox virus, which causes smallpox-like disease in camels; both viruses are apparently descended from a recent common ancestor.” https://academic.oup.com/cid/article/38/6/882/321153   To re-read. Frankly anyone who thinks the WHO, CDC and UK Gov recommendation of 14 days is anything other than a sensible minimum, is a dangerous idiot IMO, particularly given the apparent extremely fast mutation rate being reported ...  and ability to jump species         Mutation of Smallpox **********************   "Clinical descriptions indicate that smallpox always had a high case-fatality rate until around the end of the 19th Century, when a more benign form of the disease, with a similar rash but much lower mortality rate, appeared in the Western Hemisphere. Less lethal types of smallpox were also noted in Africa, where they may have existed for some time [5]. These milder variants are now designated “variola minor,” in contrast to the traditional “variola major.” The genetic changes responsible for attenuation have not been identified. https://academic.oup.com/cid/article/38/6/882/321153   Interestingly cowpox was used as a relatively effective ‘vaccine’ against smallpox, and monkeypox seems to be ‘expanding’ to fill the nasty nitch that smallpox existed in. Note That although smallpox and monkeypox are often talked about in the same breath, and are often considered closely related, despite monkeypox, camelpox and Cowpox vaccines’ effectiveness against smallpox and each other, the genetics of smallpox and monkeypox have been examined and they are not believed to be actually genetically ‘related’. https://www.who.int/news-room/fact-sheets/detail/monkeypox   … On the other hand Camelpox and Smallpox on more recent examination are believed to be VERY closely related: “Variola may have been introduced to humans through such a cross-species transfer” (like Coronavirus) It (smallpox) is closest in DNA sequence to camelpox virus, which causes smallpox-like disease in camels; ***** both viruses are apparently descended from a recent common ancestor.” "The appearance of variola minor may represent a stage in variola's adaptation to its human host." https://academic.oup.com/cid/article/38/6/882/321153       Possible sources of fresh smallpox outbreaks ************************************************ Lots of references say things like smallpox has been ‘entirely eliminated from the world’ when it clearly still exists. ‘Eradicated’ should be qualified as being ‘from the living human poplation. Even whether ‘carriers’ exist is unknown.   * ‘Officially’ (WHO approved) in 2 labs - which means little to weapons programs or nature itself - Accidents and misplacing links already supplied.   * Unofficially it is claimed to be held in other bio-weapons labs: Just two links of many: https://en.wikipedia.org/wiki/Soviet_biological_weapons_program https://www.news-medical.net/health/Smallpox-Biological-Warfare.aspx   * Animal hosts and species jumping of genetically similar Virus like Camelpox.   * thousands of Inuit infected bodies across the melting areas of the melting Northern ice and peat bogs and tar pits around the world. http://www.bbc.com/earth/story/20170504-there-are-diseases-hidden-in-ice-and-they-are-waking-up https://www.npr.org/sections/goatsandsoda/2018/01/24/575974220/are-there-zombie-viruses-in-the-thawing-permafrost?t=1580114743932     in the summer of 2016 a large anthrax outbreak struck Siberia. "A heat wave in the Arctic thawed a thick layer of the permafrost, and a bunch of reindeer carcasses started to warm up. The animals had died of anthrax, and as their bodies thawed, so did the bacteria. Anthrax spores spread across the tundra. Dozens of people were hospitalized, and a 12-year-old boy died.   On the surface, it looked as if zombie anthrax had somehow come back to life after being frozen for 70 years. What pathogen would be next? Smallpox? The 1918 flu?"      
  • Our picks

Birmo0803

Statue Barred? Ferratum

Recommended Posts

Hi chaps, apologies if this is in the wrong section - Just a quick one!

 

Quite a few years ago, I got into debt with quite a few PayDay loan companies 'Ferratum' or their sub company being one.

I went through a DMP and thought I nipped everything in the bud, I was wrong.

 

A few months ago I received a letter from CRS - typical demands etc.

I was totally unaware of this as I thought I paid off all debts, this prompted me to go through my credit file, low and behold there's notes from Ferratum (debt/late payments etc - how I didn't spot that before is beyong me as my score was pretty darn good!).

 

However, after checking my score a week a so or go, Ferratum has completely been removed from my credit file (this loan was about 6-7 years ago) and I think it had a start date of Dec 2013 when payments were late.

 

I just got an email from CRS stating they are looking to start legal proceedings now.

 

My question is, with it being removed from my credit file, does that mean time has elapsed and it is now classed as statue barred?

Do I need to send a letter to CRS to state this?

 

Thanks, Rob!

Share this post


Link to post
Share on other sites

you ignore powerless DCA's totally

 

who is their stated client?

 

dx

 


..

Share this post


Link to post
Share on other sites

The email is from CRS (credit source solution), the client is Ferratum UK Ltd (stated in the email) - checking a few weeks back, it was Ferratum on my credit profile. Just been so busy recently, totally skipped my mind to peruse. 

Share this post


Link to post
Share on other sites

you should always be blocking and bouncing all emails regarding debt

same as phonecalls.

 

deal with the OC as they still own the debt.

 

the fact that the default has reached its 6th birthday

whereby it and the account gets removed from your file is immaterial to if a debt is statute barred or not as you might have paid after the default was registered.

 

so you need to workout your last payment date.

and have you moved since taking this PDL out too?

 

 

dx

 

 


..

Share this post


Link to post
Share on other sites

Ah, gotcha! Need to remember that, D'oh! I my DMP finished over 6-7 years ago, so any last payments to any payday loans would have been well over 6+ years - which is why I was thinking Statue barred

 

Correct, I've moved around 2 3/4 years ago, I've received nothing from the old address either (still occupied too - family)

Share this post


Link to post
Share on other sites

its unusual for OC's to chase statute barred debts lets put it that way

but

theres nothing to say they haven't a clue CRS are doing this

it could well be CRS are after free money for their xmas party drinks and think that by sending people out a few free emails

some mug might know no better and donate to them.

 

 


..

Share this post


Link to post
Share on other sites

Let them pay for their own Xmas party! OK, so from what I believe, it's statue barred (as it's most likely almost 7 years since my last payment), I don't even know how much what was paid it was that long ago, but certainly 6+years ago.

 

Should I send them a Statue barred letter/email, as I received this today:

PENDING LEGAL ACTION

We have not received payment of the overdue balance and you have not made use of our online customer portal to set up a suitable and affordable payment arrangement.

Our client has authorised us to progress this matter to our Solicitors to commence the legal action against you via the County Court, therefore please contact us to discuss this matter so we can reach an appropriate resolution.

Share this post


Link to post
Share on other sites

What part of never use email

Never communicate with a powerless dca hasnt been understood?

 

If you want to do anything which you should as it also protects your backdoor if the debt were to be sold and a DCA were to litigate as it stands..send our sb letter from the debt collection section of our library

 

Thats goes to the oc as they still own the debt


..

Share this post


Link to post
Share on other sites

Just a wee update on this,

I sent a recorded delivery Statue Barred letter a few days after.

 

On 19th I then received a letter from SilverBackLaw acting on behalf of CRS (no letter response from them).

This appears to be a letter with them asking me to reply/submit a form accepting/rejecting the balance,

should I send a further recorded letter to CRS?

This one has just threw me a little 🤦🏻‍♂️

Share this post


Link to post
Share on other sites

I'm not sure to be honest, this is the cover letter, within are 3 pages (2 are forms); 'do you owe the debt?' - will you pay... Finally an incoming/outgoing form, sounds fishy to me!

 

Share this post


Link to post
Share on other sites

images/posts removed
.
please do not post jpg picture images directly to a post
.
read upload and redact in jpg then convert using on of the listed websites there to convert to one multipage pdf only

.
that way only logged-in,registered and approved caggers are the only ones that can download and see them
.
else anyone can see them caggers or not.

 

 


..

Share this post


Link to post
Share on other sites

Do the letters look like the following ?

 

 

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Darn! For some reason it won't let me add a .pdf of the file. It says

 

"We act for the above named and have been instructed to write to you to demamd payment of the sum of ££ which sum may include or solely be related to costs.

 

The contract between you and our client was established in writing... Blar blar ' you have recieived this letter a business intends to take you to court'

 

Can this be done on Statue Barres debts? 

 

Rob

Share this post


Link to post
Share on other sites

no ofcourse not, but they'll try and scare you.

who did you send the SB letter too?

 


..

Share this post


Link to post
Share on other sites
1 hour ago, dx100uk said:

no ofcourse not, but they'll try and scare you.

who did you send the SB letter too?

 

Hi! I sent it direclty to CRS, recorded delivery, wasn't sure if i had to send it directly to Ferratum, assuming CRS are the collectors. I've seen somewhere there's a follow-up letter to SB if they persist, am I right or in coo-coo-land? I think it may be best sending one to ferratum too 🤔

 

Rob

Share this post


Link to post
Share on other sites

Just type..we know what we have said..

 

Three times i said send it to the oc...ignore the dca

And you wasted money on recorded delivery..

 

just use 1st class with free proof of posting from any po counter


..

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...