Just had an email offering a Black Friday 40% discount of this debt. This is after they have been reviewing this account for legal action (a least a month now). Is this the last hurrah?

That’s my concern, SB at least 4 years away

Would you say they have given up?

Admin - this is following on from a thread of the same name which has been closed. Evening all, The last letter I received from Wescot was Sept 2019 which followed a reduced settlement offer letter. I have today received a letter from Nationwide (the letter reference is PLIPDF - i'm curious to know what this means if anyone has/does work for NW). The letter refers to a Default Notice and goes on to say... "'This Default Notice also said if you don't (clear the outstanding balance) we may take legal action against you. Unfortunately, we're unable to alter the standard explanatory wording within the Default Notice as it's prescribed by law. The purpose of this letter is to confirm we won't be taking legal action against you with respect to this Personal Loan, even though the Default Notice previously sent states this may happen." Please can anyone shed any light as to what this means? The default dropped off my file almost 12 month ago. TIA

Moved 5 years ago

No I haven’t gone to FOS. Their client is Payday UK

Okay thank you. It sounds more than a threat then.

I haven’t had any letters via post so I think they have my old address. Had a couple of emails through but loads of texts.

I keep getting these texts from CRS, are they serious? Or should I act. Any advice appreciated... ”We haven’t received a response to the Letter Before Claim issued by our solicitors. It’s imperative you act now” and another one... ”The CRS legal team will be conducting a Pre Court Action Review this week. Contact us today on...” TIA

Quick quick is with FOS. PDUK I just haven’t paid them anything for 12 months, but it’s still on my credit file until Jan. I don’t mind paying £60 to clear it.

Financial ombudsman

They declined that it was irresponsible lending so I disputed it and they declined again

12 months was the last payment. I’ll ignore their letters then

I did, i haven't paid a penny to any of them for a year. i've got a complaint with the FOS for Quick Quid and I've got disputes in place with my other loans. My biggest one is a grey area, they say it's enforceable but I say it's not because they only have a online application with no signature. I don't mind paying small amounts the clear as i'm looking at getting a mortgage soon.

I want to make them a small offer to clear my credit file. I haven't paid them a bean for a whole year. Prior to that only £1 per month. I'm hoping £60 will make it disappear. They offered me a settlement of £170 a few years ago when the balance was £340. Now its at £300.

Evening all, Has anybody recently tried contacting this company via email? This email account.services@paydaycontact.co.uk bounced back my email which was receiving emails a couple of years ago. Cheers

Sorry for late reply. The loan was taken out 9th Oct 2012 and defaulted 1st Jan 2014.

Thanks, it was taken out between 6-12 months prior to the default date (I can’t remember exactly off top of my head)

It was a nationwide loan which is now with wescot. Cheers

Evening all, I've been sifting through my Experian credit report and on there I've noticed that a Halifax account owing £2500 was defaulted in Jan 2014 and marked as settled in Feb 2017 (nothing was paid or agreed to close the account). I have also noticed another account which is open with Cabot with a default date of Jan 2014 with the balance of £2500 (this is the same account as the Halifax one above). Does this mean that Halifax closed the account and is no longer enforceable? I does it simply mean they sold the debt on and is still enforceable? I have had contact from Cabot but they failed to provide a CCA so i'm not paying a bean anyway,but just curious as to what status the account is at. Many thanks

Evening all, I’ve had a letter form Wescot chasing dough, to which I responded by not acknowledging the debt due to the original debtor being unable to provide a true signed copy of the CCA, and challenged them to find it. They wrote back to me with the same document that the original lender sent to me which was a credit agreement, with my details on it but it’s unsigned, claiming that the application was submitted online. Is this a valid CCA agreement and this enforceable? TIA

Just before Christmas. Thanks for the help and input

Jan 2013 i think

I have already sent a CCA request to link also. I think my last payment was June 2018