nosnibor
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Everything posted by nosnibor
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Theoldrouge…. Ever so slightly concerned you quote. If the lender or owner has been in regular contact with the customer during the limitation period, the firm may continue to attempt to recover the debt. Clearly they have contacted me on many occasions I just have never made any payment or formally acknowledged the debt?
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Hi Ford....yes it is
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Post edited, thanks for the heads up George:-)
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Old Cap One account, now owned by Hoist Portfolio been chased by Robinson Way. Last payment November 2008 (100% certain) Sent RW statute barred letter and as you can see from the attached reply it seems they have decided that the laws pertaining to statute barred debts are irrelevant!! I’m sure this is grounds for a whole raft of complaints but would be grateful for some guidance. Many thanks Nosnibor
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Thanks for the info guys, I’m sure like many I had the benefit of Brig’s advice both directly on my threads and indirectly from reading others, personally I miss having him around. Doubtless he has his reasons and they are no ones business but his own, just glad to know he is ok. Nos
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Thanks to you both for the replies I am obliged. Sounds like this may be worth pursuing, when I have a little time I will post more detail and see what peeps think. Nos
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I there any time limit on invoking the direct debit guarantee? Merry Xmas Nos
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Cabot court form \ CCA already requested don't have
nosnibor replied to Naxxas's topic in Financial Legal Issues
I only ask the date of the original agreement as whether it is pre. or post April 2007 in very important. That having been said if you are SURE this is SB then I would forget the CCA request as it is irrelevant. Your defence would be SB as this trumps all else. NOS -
Even after 7 years?
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Cabot court form \ CCA already requested don't have
nosnibor replied to Naxxas's topic in Financial Legal Issues
Hi Naxxas, What is the start date of the agreement? Also as a claim has been issued it may be wise to ask a MOD to move the thread to legals, where it will be more likely to get the attention required. -
What has become of Brigadier? such a huge contributor to the site seems to have disappeared without trace. If he has simply decided to cease posting fair enough, but would like to know it is not due to something more serious.
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Thanks to all for the replies, I was obviously misunderstanding the position; I will now hold fire until the end of January to be on the safe side. Nosnibor
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Hi Ford I was on a regular reduced payment plan,then I discovered CAGlast payment was 17th November 2008,
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Thanks for the replies guy’s, I think I understand, but my point was that the default notice was issued, the period allowed for remedy expired and the account was registered as a default back in 2006. Is the cause of action not begun then? they certainly threatened it enough. Nosnibor
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Rebel11 and fkofilee thanks for the warning from reading other threads I am fully expecting claims of mystery benefactors making cash payments on my behalf etc. but I am certain of my dates and am comfortable I have all my ducks in a row with this one. just seeking confirmation of the dates. CitizenB not trying to question your expertise in any way but would cause of action not have existed from the default date at the latest? Many thanks Nosnibor
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Many thanks to you both for the replies. Congratulations on your success Jack, unfortunately I don’t think I am in the same position as having checked the correspondence from MBNA it clearly states that whilst they will accept the reduced payments they WILL still default the account and the debt MAY be referred to a third party. Nosnibor
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Old Capital One card (sold to Robbers Way) Defaulted June 2006 (no longer showing on credit reports) Last token payment 17th November 2008 Would I be correct in thinking that in this case the SB date would be 18th November 2014? I ask because having not heard anything about this account for over a year, the approach of SB appears to have prompted a renewed bout of willy waving from Robbers Way, presumably an effort to have me acknowledge the debt and restart the clock. Many thanks Nosnibor
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MIKE770 and jackreacher thanks for the replies unfortunately MIKE770’s seems to have been deleted, leaving me a bit confused:confused: (it doesn’t take much)
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Is it ever worth making a CCA request for a post April 2007 credit card? had a credit card with Virgin (MBNA) balance around £7k got into difficulty and negotiated a reduced payment of £40 per month, have to say given their reputation I was shocked how easily MBNA accepted this. I carried on with this arrangement without any missed or late payments for almost 2 years. Then out of the blue in January 2013 account sold to Britannica:-x this prompted me to review my financial situation and reduced payments to £1 per month:smile: Since which time I have heard nothing:???: Their behaviour seems out of character and would seem to suggest they don’t fancy their chances of enforcing this, but as the account is post April 2007 I was under the impression they would require little or no documentation. I would just like people’s opinion on whether it is worth making a CCA request or possibly a SAR? I should add this account was opened on line Many thanks Nosnibor
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If an item is purchased and paid for online but collected from the store, what are my rights when it comes to returning goods. That is to say do I have the statutory 7 days to return and request a full refund as it was an online transaction or does the fact I collected goods from the store have an impact? Grateful for any advice
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Hi Guys, Sorry for not replying sooner, have been away with work this week. Ford you are indeed the source of my information, you have a good memory my friend Having considered the situation I am now going to sit on this until next April just to be on the safe side. Thanks Nosnibor
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Thanks for the response guys as always much appreciated. Mrs. Nosnibor signed IVA paperwork 8th October 2008, as you point out Ford I had assumed this would constitute written acknowledgement. If as you suggest Ford, SB clock runs from failure of the IVA, then we have a little time to go yet as IVA paper work clearly states that failure is only after 3 missed payments! I was hoping that as payments missed prior to commencement of IVA, that would give cause of action and the SB clock would start from then. It is just that the defaults for these accounts postdate the IVA which I think is incorrect, and one account has in fact not been defaulted at all and is been reported as AP. I would like to tackle these issues but don’t want to jump the gun and start rattling cages until I am certain of SB status. Nosnibor
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Hi Guys, Mrs. Nosnibor entered into an IVA in October 2008, it was a foolish move, payments were never going to be affordable and the IVA failed from inception (no payments ever made) The last payments to the accounts included in the IVA would have been August 2008. Please could someone advise, what would be the SB date for these debts? Would it be 6 years from the last payment or is the situation altered by the IVA? Many thanks Nosnibor
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This should have disappeared from your credit records long ago (and from what you have said that is in fact the case) So how Nat West became aware of your IVA without you informing them is indeed puzzling. Is it possible that any of the creditors from the IVA have links with Nat West? You could try writing to them asking for details of all enquiries/sources of information they have used in considering your application, they are obliged to tell you. Good luck Nosnibor
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I have received an e-mail from Lowell Group demanding payment for a debt to a company called Very in the sum of £378.23. The person Lowell are seeking has the same initial and surname as myself (which form the e-mail address), however, the intended recipient is a young lady and I am a man!! I am not remotely concerned about this but thought I had read on the site that it is a breach of guidelines for a DCA to send this type of phishing e-mail when they are not certain they are pursuing the correct person. Anything at all I can do to “queer the pitch” for the Leeds Losers would give me great pleasure so do I have grounds for a complaint and if so to whom?
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