Noddle questions

[accrued]

Hi guys and gals, first time post (for a long while).

 

Just created a Noddle account to check if an old CC debt had dropped off (statute barred).

 

One of my two live debts (they have a valid CCA) appears OK with the DCA that has purchased it

- paying off monthly with no interest added.

Will pay off in another three years or so unless I decide to settle early.

 

Second debt I expected to be there isn't

- it's a credit card debt I defaulted on about seven years ago

and I've been paying monthly since.

 

 

I'm 100% sure there's still a debit balance and have no idea why it's not there

- never heard from the OC since they accepted my reduced payments.

 

 

There was PPI and I was going to begin the process of claiming back.

If the debt isn't there, does it mean it's dead and I can cancel the standing order?

 

Third debt was an old LTSB debt that I stopped paying over six years ago

on the grounds they had no enforceable CCA.

 

 

Went to various DCA's and whilst they sent their usual threats,

they never took any further action.

It doesn't show at all on Noddle,

is that usual for a statute barred debt?

 

Is there any way I can get any historical data off Noddle,

i.e. when debts were taken off?

 

Any advice on the Noddle questions would be much appreciated.

[Stigman]

With the first debt, I hope that you checked that the CCA was valid & had the correct terms and conditions?

 

The second debt, it may be that the Credit Card Company only registers at a certain Credit reference Agency, Have you also registered with Clearscore?

 

The third debt, once six years from default have elapsed it will drop off your Credit Reference File.

 

With all three debts you need to look into claiming back any PPI and charges, it does not matter if the debt is showing on your credit file or not, get claiming, you may have to send Subject Access Requests to obtain all information.

 

Stigman

[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, paying now 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]

[accrued]

Thanks for the advice.

 

Debt 1 is definately enforceable, compared my copy against the CCA received.

 

Debt 2 may not be enforceable as the terms do not match the agreement (different document reference codes), but I don't want to have to go through another six years of battle with them (have personal reasons for this). Will check with Clearscore and begin PPI claim.

 

Debt 3 has unclaimed PPI but as it's statute barred, would any monies claimed go to offset SB debt? I assume so, and if so, it'll be a waste of my time.

[dx100uk]

if the OC does not own the debt they cant offset PPI

[accrued]

Nice one DX... you've just made my day.

 

One question though, if my account is statute barred and I know the OC binned loads of my historical data (including my original CCA), how can I determine what they may owe if the are found guilty of mis-selling?

 

Although, I did SAR them a number of years ago and I can go through all the available statements and add the PPI - I assume that's a good place to start and will still add up to several hundred, if not a few thousand. Is it advisable to make any assumptions based on the data they destroyed or is it likely to hinder any potentially successful claim?

 

I think I might begin being as much of a pain to them as they were to me!

[dx100uk]

time to name names and not speculate