Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Pandemic will just accelerate the change that was already happening.   High Street Retailers will go bust, as they cannot compete with online warehouse operators. Government will have to reduce the business rates significantly and landlords who own the shop buildings will need to reduce the rents they charge.   Retailers will need to make changes to the layout of their shops to make them more attractive, as a leisure experience. If they are offering just racks or shelfs of goods, consumers may think they are not getting anything extra than if they bought online.   As more people work from home, they will be available for home deliveries, so online retailers will gain the sales. The high streets where these homeworkers  use to work close to will lose sales.   Travel sector including airlines will see many go bust, more so, if there is a second wave of the virus.  Holidays based in peoples home countries or in neighbouring countries will be more popular. Caravans, motorhome sales are going to see massive increases, as people want their own clean spaces. And caravan parks will see more demand as a consequence, but will have to update facilities.   Pretty much every sector of the economy is going to see the biggest changes they have ever gone through and in a very short space of time.
    • This article in the Indy has some interesting views on how Brexit has affected the Uk's response to Covid.   https://www.independent.co.uk/voices/coronavirus-lockdown-government-death-toll-boris-johnson-a9551516.html
    • Small attachment to an iPhone that cost £288.00.   I know anything that relates to Apple can be very expensive, but what was the attachment ?   Did you return the attachment product in its original packaging ?   How often do you buy products from Amazon ?   How often do you return products to Amazon ?   Could Amazon believe you are buying products to simply try out for a period, with no intention of keeping the products ?
    • So I make a post and ask you some questions and you then go in and make a response which deals with something completely different and which ignores the questions which I have asked completely. I don't see how we can move forward on that basis
    • Thank you. First of all, this is not chronology so we don't have any sense of the timeline. It's still rather complicated – but maybe when you produce a chronology it will come more into focus. However, there are a few things that we can start to tease out. You say that you accepted £250 in an offer which was intended to reflect distress. Although you say that you accepted this offer mistakenly, it may well be that you have no further rights on this issue because of course it would have been up to you to understand the situation properly before accepting any kind of financial offer. However, it would be useful to understand the reach of this offer and so please could you post up the offer letter by uploading it in PDF format. You say that "high-volume messaging" is not explicitly covered in the terms and conditions – but there may be references to "fair use policy" and it may be an interpretive problem rather than looking for words which specifically match your situation. So it will be helpful to know what words Vodafone were relying upon and also what was the extent of your high-volume messaging. Did they give you any warnings. You say that they referred to terms and conditions which you did not sign. However, it isn't necessary to sign terms and conditions. We would have to understand more about the context – but generally speaking if there is an agreement which refers to terms and conditions from the outset and you then embark upon the agreement and use the services, then all the signs would be that you've accepted the conditions of use. Signed written terms and conditions are generally speaking only required in contracts for property or copyright or shares. You say that the contract was put in your sole name despite the fact that the company name was on the agreement. We don't have a chronology so we don't see how long this went on for and you don't explain why you didn't raise any objections to this – or maybe you did? You say that you have sent Vodafone and Lowell an SAR but "so far" you are waiting for a response. This suggests that you sent the SAR some time ago – but you haven't told us anything about when this might have happened. You are referring to obligations under the Consumer Rights Act but I'm afraid that these obligations refer to contracts between a trader and a consumer – and you are not trading as a consumer so these probably wouldn't apply to you. Finally, you are worried about expressing a claim in legal language. If you begin a small claim then you certainly don't need any legal language – and in fact that kind of approach simply gets in the way. Also, it seems to me that you are gearing up to bring a court claim – which is fine, in my book – but you haven't identified your cause or causes of action and you don't have a plan. I think we need to slow down and have a more careful and methodical look at the situation. Otherwise you're simply going to find yourself in trouble
  • Our picks

Denise11111

Date of default hitting 6 years. What do I do now?

Recommended Posts

Hopefully, someone can help me....

several years ago I went through a bad break up and ended up with 2 different debts with Lowell due to my ex.

Instead of arguing the debts I put my head in the sand and ignored them. 

 

The first debt is for £2,983 and the 2nd one is for £636.

Lowell have stopped sending me letters about the big debt, but they still send me "threatening" letters about the small debt.

Both debts have a default date in 2014, which means they will have crossed over the 6 year limit this year and should go off my credit file as I have not communicated with them? 

 

I am worried Lowell (OR the actual company they bought the debt from?) will go legal before the 6 years have passed (in particular with the big debt), but I have not informed the actual companies of my new address.

 

My questions are:

1. What if they send the court letter to an old address and I don't receive it?

The "chase letters" have gone to my new address - does that mean I will get the CCJ to the new address, or is it not Lowell doing the CCJ *is it the original company?

What happens if they send the court order to an old address and I never receive it - what's the worst that can happen? 

 

2. What is the likelihood that they go legal? 

 

3. Will the debt just go off my credit report naturally when the 6 years are up or do I need to do something? 

 

Thank you!! 

Share this post


Link to post
Share on other sites

Please , immediately write a letter to each one informing them of your correct address. I mean today if you can. 

Do you know when the last payment to each account was made?


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

Hi, thanks for answering.  Im worried if I write to them now, they can put a new default date from todays date (as I have not had contact with them since 2014 - last payment was done in 2014 -  they have to remove the debt after 6 years dont they if no contact since then? 

Share this post


Link to post
Share on other sites

No powers to do that. In fact a DCA doesn't really have very much power at all.

 

6 years since the default date then it's statute barred.  But you still need to inform them of your address otherwise they can send you a claim form and you won't know about it and therefore won't be able to defend it.

 

 


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

Hi again, is the debt statue barred from the date it went into default, or from the date I took out the "loan". 

Share this post


Link to post
Share on other sites

The date it defaulted plus 14 days, unless a payment was made after the default date, then it would be 6 years from the last payment.  Do you have the actual default date?


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

the most important thing here is to write to all your debt owners on any debt that let's say you last used or paid something on in the last 7 yrs to be sure of no backdoor CCJ's. 

 

once the defaulted date the original creditor registered in the summary of a debt on your credit file reaches its 6th birthday, the whole account is automatically removed, you don't have to request that to happen.

 

however, if the defaulted date that a dca has on their possible duplicate credit file entry differs from the one registered by the OC, you must complaint, that's not on.

 

once a debt falls off it cannot return, but, that doesn't mean the debt might not be still owed depending upon last use/payment date.

it also doesn't prevent a backdoor CCJ/litigation from showing, but that would be in the public records/judgement section of your file.

 

bottom line is never run from debt, always ensure a debt owner has you correct address in writing if its ever changed from the original address or you never updated the original creditor of a move prior to sale.

 

just because a debt owner contacts you at your present address does not mean they are legally aware, it's just a phishing attempt to see if you respond, should you not and you have moved, not informing them, odds on a debt buyer will go for a backdoor CCJ.

 

the fact that a debt might be statute barred is no protection again a backdoor CCJ, as the whole system is automictic, no human checks anything.

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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...