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  • #1

    Newbie

    Hi everyone,
    have been lurking for a while now and decided it's time to join

    Well we are not far off retirement and I am worried about some debts,
    a couple of store cards and a couple of credit cards.
    Problem is, I never use the storecards and the interest in compounding so I want to look at the PPI for a possible refund on these accounts and also look at whether they are enforceable or not.
    Tags: accounts, advice, cards, cca, cca request, credit, credit cards, creditor, data, date, dca, debt, debts, defaulted, delay, interest, niddy, ppi, reading, refund, retirement, store, storecards, ue diary, unenforceability
  • #2
    Re: Newbie

    welcome to the forum Janbo, quite a few of us here are of a more mature vintage!!!

    You need to have a look to try to find out whether your cards are pre 2007, this is really the first requirement for unenforceability.

    then if you post up where you are with everything, Niddy will take a look and you will get some good advice. Things he needs to know is type of card, rough date, amount, whether defaulted/terminated and who is looking after it, ie original creditor or has it been passed to a DCA.

    Have a good read around the UE threads, read a couple of diaries and then come back to us with the information.

    Good Luck!!!

    Dopeyxxx

    Comment

    • #3
      Re: Newbie

      Hiya and welcome to the forum......you have taken the first step to getting yourself sorted out. You are not on your own, there are several of us close to retirement age and we are also getting ourselves sorted out. Have a read of the Unenforceabilty thread, it will tell you everything you need to know. If you have any credit cards that are pre 2007 then start the ball rolling by sending off for your CCA request.

      http://forums.all-about-debt.co.uk/showthread.php?t=276

      Don't worry, you are in good company here, anything you want to klnow, then just ask.

      Elsie

      Comment

      • #4
        Re: Newbie

        SNAP... great minds think alike....or is it Fools seldom differ.....Dopey

        Comment

        • #5
          Re: Newbie

          Originally posted by Janbo View Post
          Hi everyone,
          have been lurking for a while now and decided it's time to join

          Well we are not far off retirement and I am worried about some debts,
          a couple of store cards and a couple of credit cards.
          Problem is, I never use the storecards and the interest in compounding so I want to look at the PPI for a possible refund on these accounts and also look at whether they are enforceable or not.
          Hi & Welcome

          Please read this, provide the data and we'll get you up to date with options: ---> Unenforceability Diaries - Read me First!

          Niddy
          :niddy
          I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

          If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

          Comment

          • #6
            Re: Newbie

            Thanks for the warm welcome, done plenty of reading and prepared 4 CCA requests for posting tomorrow.

            Comment

            • #7
              Re: Newbie

              Originally posted by Janbo View Post
              Thanks for the warm welcome, done plenty of reading and prepared 4 CCA requests for posting tomorrow.
              Gonna start a diary then?
              I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

              If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

              Comment

              • #8
                Re: Newbie

                Sorry for delay, I just started a diary.

                Comment

                • #9
                  Re: Newbie

                  Originally posted by Janbo View Post
                  Sorry for delay, I just started a diary.
                  Diary is found here: ---> Janbo's UE Diary
                  I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                  If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                  Comment

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