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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

bigshoes...bigsocks

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Everything posted by bigshoes...bigsocks

  1. bigshoes...bigsocks
    It's a pay as you go so there shouldn't be a contract.
  2. bigshoes...bigsocks
    at 50p (minimum) per letter entertain them in letter-tennis... they'll soon be out of pocket.
  3. bigshoes...bigsocks
    How much to search on an individual (me)?
  4. bigshoes...bigsocks
    £6 or £6k?
  5. bigshoes...bigsocks
    Do defaults get removed from credit files once bankruptcy is confirmed? I'm far from an expert on the matter but would have thought they'd remain in the credit file for the six years as per other defaults.
  6. bigshoes...bigsocks
    I've thoroughly enjoyed mccallum's stories on various threads; machinery, cars, finance, benefit fraud, £20k, £23k. Enthralling. You couldn't make this stuff up. Oh wait...
  7. bigshoes...bigsocks
    What's the details of the debt?
  8. bigshoes...bigsocks
    Mid to late 2008 might mean that the statute barred deadline is looming, hence the apparent urgency of Lowell/Red. However it depends on whether any payments have been made since then obviously. Do overdrafts have PPI? If so, reclaim. You could SAR Lloyds for copies of statements etc. for charges.
  9. bigshoes...bigsocks
    You're lucky. Everything has gone very very quiet with me... very boring!
  10. bigshoes...bigsocks
    Are the debts business related? if not then they have no right to contact you at work?
  11. bigshoes...bigsocks
    What's the question?
  12. bigshoes...bigsocks
    Ignore!
  13. bigshoes...bigsocks
    Can you SAR Experian and Equifax to find out account details re: how many payments I've made to these companies? I've been on and off with both for years and will undoubtedly have paid for insurance without knowing it.BSBS.
  14. bigshoes...bigsocks
    There are a number of apps that will block calls if you have a smart phone...
  15. bigshoes...bigsocks
    Show off!
  16. bigshoes...bigsocks
    Hi Sorry for my delay in responding to some of the points made (some interesting one's too). The order was obtained in Feb 2006. Old TopMan store card which I thought I had paid off when I got a loan out to clear all of my card debts. Didn't hear anything until 2010 when MuckyHall wrote to me with their standard phising letter. They never disclosed that an order had been obtained and when they failed to comply with a CCJ request and I asked them for a copy of their complaints procedure I heard nothing until Feb 2013 when Lowell got involved, offering a 70% discount on the debt - I replied with SB letter and it was then that they informed me of order. It's since been passed to two other DCAs, both offering big% discounts. The order was obtained through Northampton CC bulk and will be full of charges. And PPI if I remember correctly.
  17. bigshoes...bigsocks
    The chasers were Lowells approx 3months ago, who I sent the SB letter to, and they've passed it on to BCW to collect on their behalf - offering very generous 90% discounts... Neither are the original creditor nor the company who sneaked the CCJ through Northampton CC via my old address.
  18. bigshoes...bigsocks
    Hi guys Just a quick question... I have a CCJ aged over 6 years old which no company has ever tried to collect until recently - I sent the SB letter and received a response saying that the debt was subject to an order and wasn't SB. I'm sure I've read on this site that in order for the CCJ to be collected on they would have to apply back to the court to get it re-instated. Is this true or have I made it up? I'm receiving various letters from a DCA regarding this, who has passed it on to another DCA, so I'm thinking it's not currently valid as they'd have me otherwise with no comeback from me. Do I write them a letter telling them to do one unless they go back to court and explain to the judge, and me, why it took 6+years to try to collect on the debt? Thanks BSBS.
  19. bigshoes...bigsocks
    I'll give my left testicle to scientific research if the OP is not employed by a DCA...
  20. bigshoes...bigsocks
    OK. Thanks for your responses! BSBS.
  21. bigshoes...bigsocks
    Hello Quick question to satisfy my curiosity... If a one month payday loan was takenout but never repaid, when does the stat barred clock commence - upon taking out the loan and acknowledging the debt, or the date of failed repayment at the end of the month? A beneficial answer will wipe a month of the SB clock as I had been basing my calculations on the date of no-repayment. Yours BSBS.
  22. bigshoes...bigsocks
    any charges or fees on the acount to be reclaimed?
  23. bigshoes...bigsocks
    Absolute NO-NO. Default dates can not be changed. What is likely happened is that the new owner of the debt as got above themselves and issued a default from them regarding the debt. Not allowed.
  24. bigshoes...bigsocks
    No law or guidance to my knowledge... only an industry 'standard' of max. 6 months as being acceptable.
  25. bigshoes...bigsocks
    Mine's from 2008 and I've had a couple of these so they must start with these emails early doors...

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