Bullying tactics in the past?

[asm76]

Re: Bullying tactics in the past?

Fair do's

[vossy]

Re: Bullying tactics in the past?

I can hardly wait for the next episode, I have about 5 debts with DCA's coming up to the 6 years very very soon, and one is with the aforementioned crapquest.

.

[asm76]

Re: Bullying tactics in the past?

Mine can't be SB for another 6 years as I've been paying it.

[CleverClogs (RIP)]

Re: Bullying tactics in the past?

Mine can't be SB for another 6 years as I've been paying it.

When was the debt incurred?

How long passed between your last payment to the original creditor and your payments to CrapQuest?

[asm76]

Re: Bullying tactics in the past?

Debt started in 2003. Stopped paying the OC around Jul 2005. Crapquest started hounding me in 2009 which is when I started paying again.

[CleverClogs (RIP)]

Re: Bullying tactics in the past?

That's a pity - I was hoping it might have become SB before CrapQuest got their paws on it.

[asm76]

Re: Bullying tactics in the past?

I've already looked at it that way. If that was the case I'd have been on it like a tramp on chips!!

[vossy]

Re: Bullying tactics in the past?

I'd have been on it like a tramp on chips!!

[vossy]

Re: Bullying tactics in the past?

Debt started in 2003. Stopped paying the OC around Jul 2005. Crapquest started hounding me in 2009 which is when I started paying again.

So the last payment must be to the OC over 6 years ago and NOT the DCA, whether payments are made or not since? As long as the payments are not to the OC? Is this correct?

[Never-In-Doubt]

Re: Bullying tactics in the past?

So the last payment must be to the OC over 6 years ago and NOT the DCA, whether payments are made or not since? As long as the payments are not to the OC? Is this correct?

No. If you paid the DCA then it would be last payment received by the DCA that would be the start of the limitation period.

The easiest way to describe SB is 6yrs + a month after the date you first missed a payment.

So if you paid a debt until March 2004 it'd be SB in April 2010 however if you paid even £1 to a DCA (lets say in Dec 2009) it'd be SB 6 yrs from that date meaning in this example the SB date would be Jan 2015.

Make sense?

[asm76]

Re: Bullying tactics in the past?

It matters not whether you pay the OC or the DCA.

It's SB 6 years from the date you last made payment. Simples.

[Never-In-Doubt]

Re: Bullying tactics in the past?

I can hardly wait for the next episode, I have about 5 debts with DCA's coming up to the 6 years very very soon, and one is with the aforementioned crapquest.

.

see this - I pulled their plonker long enough to drag it through the limitation period

Muppets fell for it hook, line & sinker

---> Niddy v CapQuest - allaboutFORUMS

[vossy]

Re: Bullying tactics in the past?

No. If you paid the DCA then it would be last payment received by the DCA that would be the start of the limitation period.

The easiest way to describe SB is 6yrs + a month after the date you first missed a payment.

So if you paid a debt until March 2004 it'd be SB in April 2010 however if you paid even £1 to a DCA (lets say in Dec 2009) it'd be SB 6 yrs from that date meaning in this example the SB date would be Jan 2015.

Make sense?

Yes, thank you NID.

.

[asm76]

Re: Bullying tactics in the past?

Crapquest wrote back saying my account was on hold for 28 days while they find the information I have requested.

Well, 28 days is up

[asm76]

Re: Bullying tactics in the past?

Still all quiet on the western front!