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    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
    • whats the court claimform for? return of goods order? please complete this:  
    • std DWF letter. typically £157 something. lots of them here already doesn't say WILL anything. read it properly dx  
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Please Post How Far Back You Have Managed To Obtain Statements


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I know I've PM'd you about this Crusher but I'm wondering what others might think about this - HSBC solicitor's sworn witness statement for my hearing stated that they don't hold the data going back further than 2001! :eek: :eek:

 

Looking forward to finding out what evidence you've got there Crush!

well, just had a PM from a very well known user, they have just been told on the phone in no uncertain terms that microfiche is held going back 5 years further than the usual 6 years... 11 years in total!

I have asked the users permission to give a name, I will do so if I get it.

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I'm having real problems getting statements off Lloyds/TSB- yes they were separate when I was banking there.

 

I've sent my SAR/CCA request- no response. So I've sent them a dpa non-comp letter.

 

So I rang up, to be told that they found my account (I have my sort codes and account numbers), but as they could not verify my identity, they could not transfer me to the department dealing with it.

 

Anyone got any ideas?

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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maybe ask them if they could ask you a few questions about yourself to compare with their records - date of birth? address? or whatever else they might have on their system.

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I've now found out the accounts were closed in 1997-8. As they both had large overdrafts, these have been written off. I don't think it is worth bothering them now- in case they chase me for the debts- and they won't have any info left- is this right?

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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I dont think they can chase you for debts from 97/98 because they will be statute barred (to play them at their own game!) unless they have tried to contact you within the last 6 years to obtain payment from you.

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But if I start hassling them about bank charges, is that acknowledging the debt? I've sent them a SAR and now a dpa non-compliance letter.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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But if I start hassling them about bank charges, is that acknowledging the debt?

 

no it isn't acknowledging your debt, its only acknowledging theirs. the two aren't related, they lost their time to pursue you but through their concealment and/or your mistake, you have reason to pursue them beyond the statutory limitation period.

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Ok, I'll see what happens- I'm waiting to see their response to my dpa non-compliance letter.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Northern Rock provided me with details of all charges back to March 1995 (account opened thereabouts), after initially only providing 6 years and telling me vairous [edit] relating to how they didn't have to provide them, I couldn't claim back further, etc, etc.

 

Barclays have said they only keep information for 12 years and that they couldn't find anything relating to my previous account which would have been closed sometime pre-'95, having been opened about 1987, I would think.

 

P.

Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.

MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06

Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06

Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.

Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!

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the latest summary

 

 

 

Abbey - 1926 -80 odd years!

A&L -

Barclays - 12 years

Barclaycard -

Co-op -

Co-op credit card (per Glenn's thread) - 1997 - 10 years

HBOS:

Bank of Scotland - 10 years

Halifax - 1991 - 16 years

HSBC -

Lloyds TSB -

NatWest - 1992 - 15 years

Nationwide -

Northern Rock - 1995 - 12 years

RBS - 15 years

Yorkshire - 7 years (possibly 10)

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Anyway, emmaf, if you start compounding any charges on those accounts you'd possibly clear the debt AND come out in front (my first is £45 from Sept '95 which attracts £676 interest when compounded just annually at their(RBS) rates; I'll bet Lloyds or TSB were no cheaper!)

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the latest summary

 

 

 

Abbey - 1926 -80 odd years!

A&L -

Barclays - 12 years

Barclaycard -

Co-op -

Co-op credit card (per Glenn's thread) - 1997 - 10 years

HBOS:

Bank of Scotland - 10 years

Halifax - 1991 - 16 years

HSBC -

Lloyds TSB -

NatWest - 1992 - 15 years

Nationwide -

Northern Rock - 1995 - 12 years

RBS - 15 years

Yorkshire - 7 years (possibly 10)

 

Thanks for this summary - great help.

 

Just to let you know, Nationwide have given us since 2002 - but I am pressing them for longer.....

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Anyway, emmaf, if you start compounding any charges on those accounts you'd possibly clear the debt AND come out in front (my first is £45 from Sept '95 which attracts £676 interest when compounded just annually at their(RBS) rates; I'll bet Lloyds or TSB were no cheaper!)

 

Kenny, can you talk me through what u mean but compounding? By PM iff poss, saves hijacking this thread!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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If they had let me know at any point since 1997 that the accounts had been written off, I wouldn't mind!

 

It goes against the grain not to go in for the kill. I think I'll wait for a response, or if someone can tell us how long they keep their records for?;)

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Yeah- OUR money!!;)

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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the compund interest I'm claiming on stuff 6 years old looks very close to being unreasonable to me, as it's it's a hell of a lot more money that the core charges

 

does anyone think a court would back compound interest on charge made twelve or more years ago?

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the compund interest I'm claiming on stuff 6 years old looks very close to being unreasonable to me, as it's it's a hell of a lot more money that the core charges

 

does anyone think a court would back compound interest on charge made twelve or more years ago?

 

Has not been tested yet in court, however if your case scares the sh@t out of the banks and does not give them wriggle room then theres a good possibility it may be settled prior to court hearing, however you must fully understand the arguements first.

 

Tanz

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