Been with payplan for 13yrs - help

[dx100uk]

Scammers paid for by the banks and dcas

 

Next time. If someone says do this or that ..dont..tell'em to go do one.

 

chAt is as bad as the phone they lie cause they get a cut if you use/pay through them.

[scarlettb]

Well when I pushed them for evidence so I could read it she said there wasn't anything.

 

So now we have rhe unenforceable letters, am I right in thinking they can still send debt collectors if they want? This is something I don't want to happen 

[dx100uk]

They cant send anyone in the 1st place that could ever do anything..

they are not BAILIFFS

[Peterbard]

Hi

 

It seems many banks and DCAs have thrown the book away on the correct procedure when dealing with defaulted accounts. No one seems to understand the 2018 regulations, so all of them seem to missprepresnt it  and what it says  

For a start they often misrepresent the start date of the notice of default

 This is not the default notice  its the notice of intention to record that the relationship between the creditor and debtor has irrevocably broken down, it should give the debtor 30 days notice to remedy.

So you need to find it and check if six years have passed since it was sent

 

If you dont find it, you may have a problem.

 Many creditor like vanquis and link for instance, are saying the account is still live

 Yes this is despite it being on a plan for twelve years.

Most people will have gone through bad patch in  the past and may only have a couple of old accounts like this on their file

. This gives them a pot of leverage against the debtor.

 They could now file a default and the account will be defaulted for another six years. As for the ombudsman really dont waste your time, they just talk to the creditor , if they say piss offx then off he pisses.

If you talk to him he is very quiete, this is not because he is in deep thought about your problem, oh no, it is because he hasnt a clue what you are talking about.

As a parting thought after a consultation he said  I think if you owe someone money you should be on the register, no matter what. 

 

I would go to the ico.

 

[scarlettb]

11 hours ago, Peterbard said:

Hi

 

It seems many banks and DCAs have thrown the book away on the correct procedure when dealing with defaulted accounts. No one seems to understand the 2018 regulations, so all of them seem to missprepresnt it  and what it says  

For a start they often misrepresent the start date of the notice of default

 This is not the default notice  its the notice of intention to record that the relationship between the creditor and debtor has irrevocably broken down, it should give the debtor 30 days notice to remedy.

So you need to find it and check if six years have passed since it was sent

 

If you dont find it, you may have a problem.

 Many creditor like vanquis and link for instance, are saying the account is still live

 Yes this is despite it being on a plan for twelve years.

Most people will have gone through bad patch in  the past and may only have a couple of old accounts like this on their file

. This gives them a pot of leverage against the debtor.

 They could now file a default and the account will be defaulted for another six years. As for the ombudsman really dont waste your time, they just talk to the creditor , if they say piss offx then off he pisses.

If you talk to him he is very quiete, this is not because he is in deep thought about your problem, oh no, it is because he hasnt a clue what you are talking about.

As a parting thought after a consultation he said  I think if you owe someone money you should be on the register, no matter what. 

 

I would go to the ico.

 

None of them are on our credit file now and they have all acknowledged they can't be readded so far. 

[dx100uk]

If old defaults has exceeded 6yrs they can never comeback