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firstship
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Everything posted by firstship
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dx100,thanks for your reply,I will put this in writing and as you suggest give them 14 days to react, Thank you FS
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Bazooka Boo thank you for your reply,I will follow your advice regards FS
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I received a letter of Default from the bank, 8 years ago and then over the subsequent months arranged to pay the bank back through CCCS/Stepchange, DMP,. 4 years ago my ability to pay the original monthly agreed amount became impossible and through Stepchange agreed a much smaller payment amount which was accepted, I have been paying the DMP for nearly 8 years, and it was my understanding that even though I still have the debt and have been paying the bank back after 6 years it would drop of my Credit File?? FS
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Hi dx100uk thanks for your reply, it was defaulted 8 years ago, and I agreed to pay a specific amount which they accepted through CCCS/Stepchange, although the amount they show as a monthly payment on credit file's is the amount I was paying 4 years ago, today I only pay £5 per month,with their agreement through Stepchange. Do you feel they should still be showing the details on any credit file? FS
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can I just confirm how accurate this statement is from a bank. I asked the bank to remove all details from all Credit Files as the debt in question is now 8 years old and regular payments have been made. Bank reply "Our records indicate your account is still open and currently in debt hence we are unable to amend your credit file" Is the bank correct or incorrect thanks in advance FS
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ericsbrother,thanks for your answers,'unfair processing of data",covers the problem I have with one of the banks,will proceed down this route FS
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Would like to ask the 3 questions reference CRAs (1) Statute Barred = 6 years of NO payments,NO acknowledgement of debt,Creditor cannot apply for a CCJ.and CRA/Creditor not allowed to register the debt,although the debt still exists you do not have to pay anything. (2) a Debt that you are still paying back with an amount outstanding,after 6 years CRA/Creditor not allowed to register the debt. (3)a Debt that you are still paying and the Creditor states NO DEFAULT ever registered,still not able to register on CRA after 6 years Can the experts just clarify that these statements are correct FS
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Yes as already stated you are more than covered by CRA,if you purchased the phone from Apple then they are fully aware of the Law in the UK and make it very clear in their T&Cs,however I feel the purchase was made through Vodaphone?????who are also aware of the Law they are just trying it on as usual FS -
Sorry for the late reply....Thank you for your various responses,perhaps it would just be sensible not to pursue this complaint Thanks very much FS
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Supplier EDF, UK Power look after the underground cables, we called EDF regarding our supply ,the lights in our cottage are dull and not at any specific time of day, UK Power came out and installed a test meter, for 1 week, the result was we are only getting 210volts up to 220 volts, they allow 230volts as an acceptable supply level not the 240volts that most of us accept as the norm. The result will be at some stage a new cable will be installed in our country lane but no idea when. I asked UK Power, did this mean that we have to have our cooker,fridge/freezer on longer to achieve what would be accepted as normal cooking, freezing, times etc, the engineer stated yes that would be the case, but if you are thinking of claiming any form of financial refund from your supplier, forget it we will not entertain it, I think this is unacceptable, as it means our electricity bills are higher as the appliances are on for longer due to inadequate supply. Any body with knowledge on this subject,your thoughts would be appreciated FS
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Andy.. Will do,makes sense to be prepared,have already checked to ensure Natwest have never quoted the loan account number to the Debt Management Company,and the answer is never thanks for your help FS
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Andy thanks for your reply I will instruct the DMP to ensure they only pay that (current account) number,and as you suggest when the day arrives I will stop paying Natwest anything Regards FS
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Andy Hi,they Natwest only quote the current account number,there is no mention of the loan account anywhere,and then each year I get a statement for the Loan account,and the amount has remained the same for over 7 years.However Natwest state it is part of a debt and they Natwest Recovery always add all debts together,and will not accept that the loan account is Statute Barred. thanks FS
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thanks for your reply, going to pursue this as I do not think they are allowed to do this as in the loan account case they do not have an agreement copy that they can produce FS
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Quick question, can my bank put 2 accounts (loan account and current account) under one number for collection purposes but still send separate yearly statements?? thanks FS
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with Natwest I have 2 accounts one a loan account the other a current account, I pay a small amount through a Free Debt Management Company . Natwest Recoveries have lumped the 2 accounts together, but still send separate statements once a year, they only deduct my payments from the current account, therefore the loan account amount has stayed the same for 7 years, I have not contacted them for 6 years regarding the Loan Account. suddenly the loan account amount has appeared on a CRA. I asked Natwest why?, their reply was it is part of a debt, to which my reply was I have not paid 1p into the account and it is statute barred, they reply NO they have joined the 2 debts together, as that is what they always do. CAN THEY DO THIS, I did not at this point mention the fact that they cannot produce an agreement for the loan account. Sorry if I have been down this road in the past, just trying to get up to date with the law/legislation FS
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Thanks OK will try when receive replies FS
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Thanks for your help I will TRY and upload the results from BC and Link when I receive replies Thank you FS
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Many thanks, yes all debts have been approached for CCA requests and have received them, SAR requested where applicable thank you FS
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dx...No link have not entered a default yet FS
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More information I have been paying Barclaycard and now Link for over 7 years ,managed to get PPI from Barclaycard who took the money to help pay of the debt. Because of a number of debts I have I did not really check my CRA's until 2015 and Barclaycard did not appear, this is why I am surprised that Link have now registered a debt with CRA FS
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Andy Hi.....No Barclaycard did not register the debt with any CRA FS
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Quick question, My Barclaycard debt was sold to Link early 2015, the debt has been paid through cccs/stepchange for over 6 years and continues to do so but now paid to Link,who have suddenly put the debt onto a credit reference agency,is this OK???? FS
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the overpayment amount per week is £22 ,last year also the council advised me that we where entitled to Council tax relief which they applied to the council tax,this year they have removed it completely.I have asked them to explain why there is such a big reduction,and what exactly was the error. I advised the local council that for the year 2016/17 that the joint state pension had increased by £6.30 per week and I expected this to be the reduction of housing benefit,not £22 FS
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Thanks very much for your reply's,perhaps to enlarge on my question, I keep the local council up to date if there is a change of circumstances,it appears they made an admin error back in May 2015 and now want to recover the amount involved all be it on a monthly basis and not in a lump sum. I pay Tax on my state pension and because there is no method of DWP and HMRC recovering Tax I have to pay my tax by Direct Debit to HMRC,my Local Council accepted this fact on production of a letter from HMRC,and they adjusted my Pension Amount on Housing Benefit to accommodate the tax I pay,and it would appear this is where the error took place. FS
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