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Irresponsible lending successful claim / default removed?


mangobloom
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Hello,

I'm doing some research into paying off the final leg of my debt (partial settlement agreement is £2k). I came across a blog where in the comments someone said they attempted to challenge a debt on the grounds of irresponsible lending. This topic was in relation to someone possibly being able to get their default removed within the 6 years mark.

Has anyone ever done successfully won against a credit card company for irresponsible lending before and been successful? And more so, used it for the grounds to remove a default on your record?


Also, is it possible to retrospectively claim this if you've already partially settled one of the debts?
 

Also, I'm searching the internet but there doesn't seem to be a cohesive list of grounds of which someone can claim irresponsible lending. Can anyone suggest?

Some time ago I had 2 credit cards of which I definitely couldn't afford the increase in credit limits they gave me at the time. (I was in my 20s, on a pretty low salary in London but generally I was just immature and terrible with money).

I would like to go down this route potentially if there's a possibility this could help me.

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who were the original creditors and who owns the debt now?

not blindly paying DCA's F&F settlements i hope??

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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allied dont buy debts who is their stated client?

lowell do, and are the owners of the cap1 debt

 

a side issue i know -  but you really should not be blindly paying/settling by F&F to any DCA who OWNS a debt now without checking enforceability via say a CCA request 1st. a DCA is not a bailiff and have zero legal powers on any debt.

 

an IRL complaint always goes to the original creditors regardless, and no it doesn't matter if you already settled with the OC or a 3rd party buyer, however, thats not really the way to get a default moved or removed, that pretty rare to happen.

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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This is great info thanks so much.

 

I'm totally new to this - I wasn't aware of the enforceability issue. I've already paid off Lowell now. Too late I'm guessing?

 

Allied's stated client is Barclaycard.

 

I'll follow up the enforceability of the Barclaycard debt. Thanks so much for your help.

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bet they ran down the pub that night on your free money.

 

how olds this BC card? when did you take it out?

 

dx

 

 

 

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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On 13/11/2021 at 02:42, mangobloom said:

I'm doing some research into paying off the final leg of my debt (partial settlement agreement is £2k).

who with what card?

 

dx

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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thats good. BC dont often offer F&F 

whats the overall debt?

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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