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Re: Halifax Recon ? or con ?
As planB says above, I'd leave it well alone.
As planB says above, I'd leave it well alone.
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Re: Halifax Recon ? or con ?
Thanks both
that's what I thought but was given some bad information
I will leave well alone.
Would you say this is the end of this in your experience?
Thanks
Maxed outComment
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Re: Halifax Recon ? or con ?
There's nothing to stop them trying it on ....but what can they do ?Originally posted by maxedout View PostI'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.
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Re: Halifax Recon ? or con ?
If you're certain that it is SB already then wait a few more months (so there's no disputing that it is definitely SB) and then try and reclaim direct from the OC. Worst case is it would be offset against the debt if the DCA are not fully assigned and are just managing the debt. If however it was fully assigned then because the reclaim is between you and the Original Creditor (OC) they'd have to issue the refund directly to you because the account is no longer theirs - it belongs to the DCA and they cannot pay it the DCA as it is not their money, it's yours (the bank would already be paid from the DCA for the purchase of the account and thus cannot pay your monies to the DCA (with your refund) nor can they offset with the DCA's debt).Originally posted by maxedout View Post
Doing a reclaim via the OC (once it is already SB) does not reset the clock - it's SB already so that's it - they've lost the right to enforce it through the courts.
Make sense?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.ukComment
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Re: Halifax Recon ? or con ?
Thanks for the advice
And yes it makes sense
Maxed outComment
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Re: Halifax Recon ? or con ?
Check back through your file to make sure you haven't accidentally acknowledged the debt in correspondence. SB isn't only about the last payment date.
Also when did you receive the default notice if your last payment was in March 2010?
Plan B xComment
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