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  • #16
    Re: I'M FREE

    I love this thread xxxx
    if you do it today and you like it you can always do it again tomorrow

    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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    • #17
      Re: I'M FREE

      Scorpio that sounds like a brilliant success story with a great outcome.

      All my defaults have cleared, but l was an idiot and as a couple of companies were nice I didn't start UE with them, so will be battling for another few years!
      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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      • #18
        Re: I'M FREE

        Isn't hindsight a wonderful thing Cym?! I only had a few months between mine as I couldn't face sending all the cca requests (and the ensuing letters) at once. I don't know what I was worried about!
        Let your smile change the world but don't let the world change your smile

        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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        • #19
          Re: I'M FREE

          Yes it is Pixie. I was fighting so many battles, juggling loads of accounts and unfortunately it just seemed safe and easy to ignore the 'nice' ones, who are no longer so nice now that I'm questioning them!
          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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          • #20
            Re: I'M FREE

            Congrats! I've only just seen this. You must be over the moon. Looking forward to SB myself one day. When does the 6 years SB start from? Is it the last payment you made or the first default date or both? Thanks

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            • #21
              Re: I'M FREE

              Originally posted by sebaab View Post
              Congrats! I've only just seen this. You must be over the moon. Looking forward to SB myself one day. When does the 6 years SB start from? Is it the last payment you made or the first default date or both? Thanks
              Hi,
              6 years 1month from last payment, and 6 years from cause of action (COA is a disputable point) Niddy has written the dates on SB diary.
              Helmsman.

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              • #22
                Re: I'M FREE

                Originally posted by helmsman View Post
                Hi,
                6 years 1month from last payment, and 6 years from cause of action (COA is a disputable point) Niddy has written the dates on SB diary.
                Helmsman.
                Thanks. SB diary? I spent quite a while trying to find that information yesterday but couldn't. Prob just me being thick!

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                • #23
                  Re: I'M FREE

                  Originally posted by sebaab View Post
                  Thanks. SB diary? I spent quite a while trying to find that information yesterday but couldn't. Prob just me being thick!
                  Hi,
                  Go to diaries and the SB diary is on page 2.ps go to main page down to UE diaries then page 2

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                  • #24
                    Re: I'M FREE

                    Originally posted by helmsman View Post
                    Hi,
                    Go to diaries and the SB diary is on page 2.ps go to main page down to UE diaries then page 2
                    Got it! Thanks! http://forums.all-about-debt.co.uk/s...22436-About-SB

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                    • #25
                      Re: I'M FREE

                      Originally posted by Enforcer View Post
                      Congrats Julian,
                      I am getting there, Crap 1 gone, Barclaycard gone, Lloyd's now past the 6 year mark, only Barclays advance account left, taken back in house and absolutely no chance, just waiting, no letters or phone calls lovely feeling! I remember the stress and worries of years ago. Without the help of this forum, and especially Niddy, don't know where I would have been.Did pay Northern Rock as I believed it was enforceable although in hindsight maybe not.
                      To anyone on the UE journey, take advice from the members, you will get through it.
                      Thanks to everyone for the help and advice given.
                      Just opened the post, letter from Cabot Financial regarding Lloyds TSB credit card, WE ARE CLOSING YOUR ACCOUNT! Must have realised we are now SB.

                      Comment

                      • #26
                        Re: I'M FREE

                        We would be SB now too had we found this site sooner but we didn't know anything about UE and were petrified of the creditors . We would have had our debts SB in 2012 - but we joined payplan and although it eased our burden a lot we wish we had found this site - but we are getting there . Ours are SB in July 2018 so not long now and the time flies by .
                        _______________________________________



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                        • #27
                          Re: I'M FREE

                          Fingers crossed Enforcer xxxx
                          if you do it today and you like it you can always do it again tomorrow

                          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                          Comment

                          • #28
                            Re: I'M FREE

                            last payment when it kicks in - 6 years England and Wales - 5 Years Scotland (or depending where CC company registered at)
                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment

                            • #29
                              Re: I'M FREE

                              LloydsTSB credit cards were a bit of a bind, as they kept writing saying we are going to default/flay/crucify you and terminate your account, but they did not default. Instead they passed to their own internal and external menacers. A whole year passed before the default was placed n the CRA report, wherein just one nominal payment was made at month 5. The default appeared when it went to Wescot, whom I ignored. Not heard a squeak since. Perhaps they checked and found no documents.

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                              • #30
                                Re: I'M FREE

                                Originally posted by julian View Post
                                LloydsTSB credit cards were a bit of a bind, as they kept writing saying we are going to default/flay/crucify you and terminate your account, but they did not default. Instead they passed to their own internal and external menacers. A whole year passed before the default was placed n the CRA report, wherein just one nominal payment was made at month 5. The default appeared when it went to Wescot, whom I ignored. Not heard a squeak since. Perhaps they checked and found no documents.

                                A year! Blimey. When did you CCA request them? I have 2 accounts that haven't defaulted yet, both pre 2007.

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