HELP! disabled with so much debt

[joshing]

Re: HELP! disabled with so much debt

don't worry, this is quite common, they get accounts mixed up all the time.

Do they keep a note of what they have sent then.

[MrsD]

Re: HELP! disabled with so much debt

don't worry, this is quite common, they get accounts mixed up all the time.

[joshing]

Re: HELP! disabled with so much debt

[QUOTE=jillyiant;324684]

Good morning! well today brought a surprise, I received some papers from lloyds & its something that I must have forgot about because its not what I asked for, its a different reference number and regards a personal loan and not a credit card dating back to 2004, looks like a zero balance but Im not sure. Its a bit strange because I cant remember even having it let alone paying it up. Old age kicking in. It still says enforcible on it though so wtf? think I will be scanning and sedding to Niddy if thats ok. And I have just realised this is my old bank account that I had with my ex hubby, can I claim back the ppi lol

EMAILED TO NIDDY![/QUO


Forgot to say this is what I received when I asked for a cca for my credit card........ Surely this is a BIG mistake. why would they send this out when it is paid up & a different loan.....

Heard from Niddy and he says ignore..... I still cant get over the fact its not what I asked for and its for a personal loan that I seem to have paid back in 3 months! Id like to know if lloyds realise they sent the wrong thing, can they come back on me to say I should have let them know? I suppose I will hear from them soon though asking for money.

[ken100464]

Re: HELP! disabled with so much debt

Post 110 Apex. Unless anyone says differently I would ignore.

Post 111 is the start of the 6 years as long as you follow the advice on here and dont write or pay anything without running it past the team here. April 2019 is the date you are aspiring to on this account.

Post 112. Wait for Niddy to say what to do if you have sent him the CCA.

[joshing]

Re: HELP! disabled with so much debt

[QUOTE=jillyiant;324127]Good morning! well today brought a surprise, I received some papers from lloyds & its something that I must have forgot about because its not what I asked for, its a different reference number and regards a personal loan and not a credit card dating back to 2004, looks like a zero balance but Im not sure. Its a bit strange because I cant remember even having it let alone paying it up. Old age kicking in. It still says enforcible on it though so wtf? think I will be scanning and sedding to Niddy if thats ok. And I have just realised this is my old bank account that I had with my ex hubby, can I claim back the ppi lol

EMAILED TO NIDDY![/QUO


Forgot to say this is what I received when I asked for a cca for my credit card........ Surely this is a BIG mistake. why would they send this out when it is paid up & a different loan.....

[joshing]

Re: HELP! disabled with so much debt

SB is the Statute Barred date, generally 6 years from the day after the first missed payment (5 years in Scotland, lucky beggars ) after that you're totally home free if you haven't paid or acknowledged a debt regulated by the Consumer Credit Act. (Loans, Cards, HP, overdrafts)

The only thing I have is a bank statement to say iv paid a last monthly £20 in April as they have sent me no statements since apex took over.

[joshing]

Re: HELP! disabled with so much debt

Thank you, this is the letter I received from Apex, do I reply?

x.

[ken100464]

Re: HELP! disabled with so much debt

snap

[Undercover Elsa]

Re: HELP! disabled with so much debt

Haha ditto Ken

[Undercover Elsa]

Re: HELP! disabled with so much debt

SB is the Statute Barred date, generally 6 years from the day after the first missed payment (5 years in Scotland, lucky beggars ) after that you're totally home free if you haven't paid or acknowledged a debt regulated by the Consumer Credit Act. (Loans, Cards, HP, overdrafts)

[ken100464]

Re: HELP! disabled with so much debt

Statue Bar=SB. The date you are aiming for in 6 years time. The date you stop fending off the leeches and start telling them to do something nasty to themselves. Its the date that the whole purpose of the forum was built around and we are all aspiring to.

Apex are pussies. Just post up your next correspondence with them and I expect there will be short shrift letter going back to them.

On this account you are now firmly in control.

Make sure you have a copy of that letter stored somewhere safe. Dont just keep the original make copies.

[Undercover Elsa]

Re: HELP! disabled with so much debt

Hi Jilly,
This is the letter we all hope to get!

It means it's unenforceable in court, so as Ken says, no bailiffs will darken your doorstep. All they can do is ask for the money on moral grounds, or make veiled threats. No court and no CCJ whilever they cannot provide it.
Time to ignore them. Keep that letter safely on file. Make a note (with any evidence eg statement) of the date of last payment you made to them. In fact note it on here for the record then we can work out your Statute Barred date
Keep us informed of anything else they send so we can discuss whether it needs any response.

Well done!!!!

Elsa x

[joshing]

Re: HELP! disabled with so much debt

Well done you keep that letter very safe.

Until they find the agreement then you win. Seemingly they cant.

Doesnt stop them playing head games with you but with that letter you are in the driving seat with this one. Baliffs aint coming so dont you be worrying.

Just follow the advice from the site team and go for SB now.

This one is no longer being paid is it?

No, stopped paying it 2 months ago, it was on a repayment plan with apex but they kept bugging me for more each month. Whats SB?

[ken100464]

Re: HELP! disabled with so much debt

Well done you keep that letter very safe.

Until they find the agreement then you win. Seemingly they cant.

Doesnt stop them playing head games with you but with that letter you are in the driving seat with this one. Baliffs aint coming so dont you be worrying.

Just follow the advice from the site team and go for SB now.

This one is no longer being paid is it?

[joshing]

Re: HELP! disabled with so much debt

Hi everyone, received letter from barclaycard this morning, it must have bought up morgan stanley as thats the credit card I had, anyway they say yes its unenforcible but they intend to collect. Also had letter from Apex included to say contact them regarding this. Whats my next step and can they call in balliffs?