HFC Marbles card debt and 1st Credit help please!!!

[dx100uk]

the T&C's are def post the application form

 

as they mention £12 fees

 

that didn't come about in 2004

 

they were much higher

 

toilet paper

 

and the issue of interest esp if you were still paying the token payment

should come into play too

[Myfamily]

Hi

i was cecking up on my credit file for this debt and just wondered

 

 

- I have not made a payment or acknowledged anything since Jan 2011,

They have sent me letter via various DCA's and I have not replied,

 

 

was just looking at my credit report and it says the default date is 26/07/2010,

 

 

so I wondred will it drop off my file file in July this year or Jan next year?

 

Is it 6 years from default date or payment date or whichever is earlier or later?.

[maroondevo52]

 

Is it 6 years from default date or payment date or whichever is earlier or later?.

 

The default will be removed 6 years from the default date.

[dx100uk]

All references to a defaulted debt must be removed from your credit files after 6 years

has passed from date of default, whether paid off or not.

.

{the WHOLE ACCOUNT WILL VANISH, never to return}.

.

{however, this does not mean the debt itself is not still owed

consider a CCA request.}

.

This is so that someone who continues paying something

- even after 6 years from default

- should not be at a disadvantage to someone who pays nothing after default

and ends up with a clean file after 6 years.

.

NOTE: {the bracketed text is not ICO guideline but my advise]

[Myfamily]

HI Dx,

yes I posted the so called agreement (post #46) that they sent to me

after I did a CCA request to them

- it had all sorts of issues and I believe we dscussed it

and they would need to send me the orignal agreement?

the T's and Cs they sent are post the application form

as they talk about the £12 fees which were'nt around in 2004.

 

 

so if this drops off in July that'll be that then?

[dx100uk]

well it wont harm your rating anymore

but ofcourse doesn't write the debt off mind

[Myfamily]

well that's kind of what i'm worried about,

I was paying it direct to Marbles,

then for no reason they sold it to 1st credit

who became extremely agressive with me when i was paying it

but they wanted me to pay more.

 

 

I never denied the debt in the beginning but their agressive tactics made me angry and so i stopped paying.

 

 

I just need to know if they could take me to court after the 6 years is up?

[dx100uk]

don't confuse defaulted date

with SB date.

6yrs from last payment, then its covered by the limitations act.

and they shouldn't be doing or threatening court.

as any judgement cannot be enforced

 

 

iys not unknown

esp if they don't have your correct address and do it via an old one

but

as the SB defence will kill it dead if they did.

I wouldn't worry about that

as your address to them is correct?

yes the

[Myfamily]

ah ok, sorry I meant SB date, so that won't be till Jan 2017 then.

 

They do have my correct address,

 

it's been from 1st credit to Drydenfairfax, then to cabot, fire, back to cabot I think it's with Lowells now!

 

can't remember now but I get a letter once every 3-4 months and I ignore them as the so called agreement which was supposed to fulfill my cca request doesn't!

[Myfamily]

Hi All,

 

Well just checked new report and this account has now gone.

 

sorry didn't mean to end that comment right there.

 

If I receive anything else from Cabot or Lowells then what can I do now?

[dx100uk]

as such it not being on the CRA file changes nothing

other than if it were hurting your score

it wont now

 

 

let it run

[Myfamily]

ok, but if I suddenly receive a claim form can I reply with the SB defence?

[dx100uk]

ofcourse

but you come here first!!

and tell us you have the claim!!

[Myfamily]

Of course I will DX! - I never do anything without consulting you guys first!