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    • 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?
    • Can you not hand deliver the letter of rejection to Canalside Motors quoting the the bank transfer reference number ?
    • Thanks - I posted the letter this morning. I'll spend the next few days getting familiar with the consumer rights act and the MCOL service. 
    • 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.   LINK REMOVED.   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.  
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Hitachi Personal Finance

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I purchased a kitchen with a buy now pay in a year facility from Wickes and was assured that I would receive a reminder to pay before interest would accrue after the deferral date. 


Hitachi Personal finance are claiming that an email reminder was sent (but failed to produce credible evidence of such an email) and as a consequence I am having to add a hefty amount of interest onto the cost of my kitchen. 


I referred to the Financial Ombudsman who found in their favour on the basis that they believe Hitachi did give notice and it was my responsibility anyway to know the deferral date. 


The reminder letter was sent to me after the deferral date as a result of my enquiries into why I had not received one.   

I tried to pay the money owed 5 days after the deferral date but they wanted a whopping £700 more in interest. 

I wonder if anyone knows of any other way of challenging this position. 

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Send them an SAR. Do it straightaway.

Maybe you could explain how they have calculated that much interest.

Also, when you post your story please would you post it properly spaced. Your post is quite short so as not too bad but people who post solid blocks of text without spacing make it very difficult to read and it tends to dull the enthusiasm of others who otherwise would be very keen to help

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who assured you you'd get notification of no int time limit ending?

thats not a normal MO of these BNPL agreements

they are not onliged to warn you?


when did you rake this out

and when did you try to pay the Org Sum?



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.



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Thank you for your response Bankfodder. 

Point taken ref block text. 

What is a SAR PLEASE


Thank you for your response dx100uk. 

The salesperson absolutely guaranteed a reminder by post would be sent

We took it out Nov 2018 and the deferral deal was Nov 2019.


I was completely aware of its imminence but awaited the reminder not being certain of exact date. 


I tried to make the full payment some 5 days after the deferral date when I was alerted by my bank that a payment had been made to them. 

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click sar


as for the lies the salesman told you

whatelse do you expect..he is on commission to sell and will say anything to get the sale

sadly as i said earlier, they don't have too.





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.



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OK thanks for this

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