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statute barred

 

dx

 

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.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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There is no downside to requesting a CCA.  You should do this for the loan asap.  My site team colleague @dx100uk will be along with more detailed advice

your virgin card is with mbna too. hence why they say lloyds as lloyds recently purchased mbna.   send MBNA an SAR send Tesco an SAR. send tesco an SAR. send HBOS (H

send MBNA an SAR send tesco an SAR. send HBOS (Halifax) an sar   unless on the above you already have every statement for every month for every card.(5 cards 3 with MBNA as Oc)

but thats how long it will show from settlement payment on your file if you make one

or 

if you leave as is..same result but far cheaper....

 

dx

 

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.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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defaulted debts vanish from your file regardless to payment on the registered defaulted dates 6th birthday

 

NON defaulted debts will sit on your file for 6yrs yrs from last payment - i e the debt becomes statute barred,-  but that does not automatically guarantee they will be removed.

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.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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hopefully:wink:

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.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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legally they can't and that usually a bonus

but in your case, whomever registers a default is a good thing.

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.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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more than a year and +100 posts in...you finally get it....

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.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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I am still far from getting it and it’s defiantly not been a year. I am much better with black and white than ambiguous, it’s hard when you don’t have a clue! I appreciate your patience, it’s needed 

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sorry yes its the strange way this site labels its date...

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.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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On 06/08/2020 at 13:06, dx100uk said:

AP or Arrangement or DMP will appear in the debt summary line, that prospective lenders can see if they undertake a credit worthiness search, from the day you make the arrangement - till 6 yrs after the last AP payment. that can be for more than 6yrs.

 

Yes, but that's not what you originally stated, you said, "AP markers don't go away for 12yrs" which is completely different to your statement above.

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Well it is 12yrs ...

 

That is the worst scenario if someone is in an arrangement for 6yrs or more that results in AP markers.. 6yrs of AP + 6 years more of AP showing even after settlement.

 

 

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.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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