Halifax issued me notice of intended court action

[misselle]

That's very interesting Uncle, I hadn't thought about it like that.

I do think it's odd they haven't chased me for the debt,

 

 

I honestly didn't think I'd get this far down the line without any contact

or a court threat so something is amiss.

 

 

Not to make excuses but I should probably never have been allowed to borrow the amount

I did at the time although it wasn't really this loan that got me into the mess I did,

it was payday loans which I'm sorting out too.

[misselle]

Next in plan of action tackle my two shop direct accounts and credit cards which have been in default since 2011 also. Shop direct will get getting a SAR soon enough for my ppi claim. Feels slightly empowering to take charge of my finances once and for all

[unclebulgaria67]

Next in plan of action tackle my two shop direct accounts and credit cards which have been in default since 2011 also. Shop direct will get getting a SAR soon enough for my ppi claim. Feels slightly empowering to take charge of my finances once and for all

 

Remember that all creditors owed money do check credit records on a regular basis. They may just think it is not worth it, when you have several defaults. If it looked like your financial position was such that it was was worth chasing you, then i suspect they would.

[dx100uk]

old and new threads merged for history

 

 

can I just check something...

 

 

you were resident in Scotland when you took the loan out?

[misselle]

Thanks Dx forgot about my old post,

 

 

needless to say that was the last contact I had with them a

nd they never wrote to me again let alone took any action.

 

 

Yes I was resident in Scotland when I took out the loan.

 

 

Does that make a difference to something?

[dx100uk]

yes Scottish SB

 

 

you must have been resident

and the agreement show a Scottish address

when you took whatever out for it to apply

 

 

so 5yrs and it's extinguished gone dead.