Fredbares UE Diary

[Deepie]

Re: Fredbares UE Diary

I'd just sit tight if it were me..............

[fredbare]

Re: Fredbares UE Diary

Hi Deepie and thank you

Il do that then and wait and see, will update when i hear anything, thanks again

Regards Fredbare

[Riz]

Re: Fredbares UE Diary

Hi everyone

An update to the above, received claim form from northampton, no surprise really after reading other threads about them. I would appreciate some advice regarding the defense.

Thanks everyone

Fredbare

Will move to a new thread in Everything legal for now.

http://forums.all-about-debt.co.uk/s...edbare-vs-MKDP

[fredbare]

Re: Fredbares UE Diary

Hi everyone

If a bank sends you a letter headed Final Demand, do they still need to send a default notice for overdrafts if they want to enforce in court.


Thank you
Fredbare

[nanna58]

Re: Fredbares UE Diary

How are things freders ?

[fredbare]

Re: Fredbares UE Diary

Hi Nanna

Everything ok at the moment thank you Nanna, no one chasing, no letters or phone calls, the claims in court are still stayed as far as i know, 4 years this month, was wondering if the defaults will drop off cra files even though their stuck in court, they'r due to drop off this year. So all quiet.

Best wishes Fredbare

[PlanB]

Re: Fredbares UE Diary

the claims in court are still stayed as far as i know, 4 years this month, was wondering if the defaults will drop off cra files even though their stuck in court, they'r due to drop off this year

Defaults should drop off your credit file six years after they went on your credit file whether that's before, during or after any court claim.

If you're unlucky enough to get a CCJ after a Default has dropped off, the Default will stay absent but the CCJ will get recorded and stay on your file for a new six year period starting from the date of the CCJ.

(I hope I've got that right).

Plan B x

[fredbare]

Re: Fredbares UE Diary

Thank you Plan B, thats answered my question, not that im concerned about the cra files, got one ccj for 6 years and dont want any more credit, I was just curious what happens to them.

Best wishes Fredbare

[CleverClogs (RIP)]

Re: Fredbares UE Diary

If a bank sends you a letter headed Final Demand, do they still need to send a default notice for overdrafts if they want to enforce in court.

Yes.

See sections 87 to 89 of the Consumer Credit Act 1974 - link

[SaltnVinegar]

Re: Fredbares UE Diary

Hey Fred

Hopefully things all still quiet with you?

Best
SnV

[fredbare]

Re: Fredbares UE Diary

Hi everyone

Yes thank you S&V, all quiet still, no letters, phone calls, nothing, 2 claims still stayed as far as i know, defaults for these due to drop off nov/dec, will update the diary if anything happens.

I log on regularly to see if I can help anyone in the same situation as myself, but I dont know enough to help unfortunately so best left to the experts.

Thanks again best wishes Fredbare

[SaltnVinegar]

Re: Fredbares UE Diary

Yes thank you S&V, all quiet still, no letters, phone calls, nothing, 2 claims still stayed as far as i know, defaults for these due to drop off nov/dec, will update the diary if anything happens.

Good news Fred, fingers crossed for you that it stays this way!

I log on regularly to see if I can help anyone in the same situation as myself, but I dont know enough to help unfortunately so best left to the experts.

No please do help - although you may not have the same knowledge as some on the technical and legal aspects, a lot of people just appreciate the support and understanding of other people who have 'been there'. It can really make a big difference

[nanna58]

Re: Fredbares UE Diary

All good Freders xxx

[nightwatch]

Re: Fredbares UE Diary

I agree with S&V Fredbare, please do log in and help, we're not all experts,( although I am very good at putting my foot in it ) some people do just need to know that someone has read their post and made a comment, If you don't think you can help just say' someone should be along soon to point them in the right direction'

glad every thing is on hold for you NWxx

[cymruambyth]

Re: Fredbares UE Diary

Hi Fred, I can only repeat what the others have said, please stay and post; most of the so called expertise on the site is from experience which you have. We have all dealt and reacted differently with situations, so any input is gratefully received.