amberashjess' UE Diary

[amberashjess]

Re: amberashjess' UE Diary

Thank you, I will send the letter (Im in England) in the next few days. I ve got the kids off right now and they are keeping me busy! ill update when I hear anything.

Found an old experian report and it says account started 12/03 and defaulted 10/06

I havent paid so must be SB?

[Deepie]

Re: amberashjess' UE Diary

I have no idea Deepie, not since before the default and certainly not recently either. It would be either in 2005 or 2006 but I have no paperwork for this debt.

Depending on where you live ....I'd send this.......

• -----> Statute Barred - England (6 years)
• ----->Statute Barred - Scotland (5 years)

[amberashjess]

Re: amberashjess' UE Diary

I have no idea Deepie, not since before the default and certainly not recently either. It would be either in 2005 or 2006 but I have no paperwork for this debt.

[Deepie]

Re: amberashjess' UE Diary

Hi Everyone

its been quiet on the letters front recently. Today, however I got a letter from Lowell's about an old debt from lloyds bank probably defaulted 2005 or2006 Its not on my credit report anymore and ive never made any payments to it.

Lowells are offering a 75% discount and I can pay £670 instead of £2700. If I don't pay they will pass it on to a agency for collection and somebody may call at my home.

Any advice on what to do? Should I ignore? Shall i wait until they pass on on a send a prove it letter? Im just a bit concerned because of my past situation about someone coming to my door.

Thank you so much.

when did you last pay anything on this ?

[amberashjess]

Re: amberashjess' UE Diary

Hi Everyone

its been quiet on the letters front recently. Today, however I got a letter from Lowell's about an old debt from lloyds bank probably defaulted 2005 or2006 Its not on my credit report anymore and ive never made any payments to it.

Lowells are offering a 75% discount and I can pay £670 instead of £2700. If I don't pay they will pass it on to a agency for collection and somebody may call at my home.

Any advice on what to do? Should I ignore? Shall i wait until they pass on on a send a prove it letter? Im just a bit concerned because of my past situation about someone coming to my door.

Thank you so much.

[amberashjess]

Re: amberashjess' UE Diary

Thank you Elsa, will get those letters sent of tomorrow and see what they come back. X

[Undercover Elsa]

Re: amberashjess' UE Diary

Just noticed they're threatening a doorstep visit, if you want you could incorporate this too: http://www.all-about-debt.co.uk/inde...doorstep-visit

[Undercover Elsa]

Re: amberashjess' UE Diary

HiEverybody

Hope your having a nice BH. I need some advice please. I keep getting lots of letters from cs collect on behalf of aktiv kapital. I think but am not sure its for a hsbc bank account and flexi loan I had. Its not on my report and I think the default date was in 2006. I don't have any paperwork either for the account. Is this statute barred?

Im sick of these letters and they are threatening to have somebody call round and asking me to call to get a discount. Should I send a prove it letter or something different? Ive not replied to any letters as yet and I'm feed up of them hassling me. I get letters about twice a week.
Thank you.

Hi Amberashjess
As they're persisting with this I think your idea of sending a prove it letter is a good one. No point firing off a Stat Barred letter till you have more info.
Link: http://www.all-about-debt.co.uk/inde...-debt-prove-it

Elsa x

[amberashjess]

Re: amberashjess' UE Diary

Hi

Can anybody give me advice on what to do on my previous post. Thank you.

[Loopyloo]

Re: amberashjess' UE Diary

Statute barred is 6 years (or 5 in Scotland) from usually a month after the last payment made to the account, or written aknowledgment of the debt, regardless if still on credit file. If you haven't made a payment since default then it'd be barred

I'm sure someone more knowledgable with the template letters will be along to advise which one best to send.

[amberashjess]

Re: amberashjess' UE Diary

HiEverybody

Hope your having a nice BH. I need some advice please. I keep getting lots of letters from cs collect on behalf of aktiv kapital. I think but am not sure its for a hsbc bank account and flexi loan I had. Its not on my report and I think the default date was in 2006. I don't have any paperwork either for the account. Is this statute barred?

Im sick of these letters and they are threatening to have somebody call round and asking me to call to get a discount. Should I send a prove it letter or something different? Ive not replied to any letters as yet and I'm feed up of them hassling me. I get letters about twice a week.
Thank you.

[amberashjess]

Re: amberashjess' UE Diary

Hi

I need to increase my overdraft but would it alert the dca's. They been quiet now for a while. Im not been credit checked. I asked the bank.

Thank you.

[amberashjess]

Re: amberashjess' UE Diary

Thank you, Deepie. Ill sit tight till they get in touch. I trust the posters on the and listen to their advice. x

[Deepie]

Re: amberashjess' UE Diary

Can anyone help or advise. Im just finding this very difficult to deal with. Thank you.

If it were me I'd just ignore them until they get a bit more heavy ......

[amberashjess]

Re: amberashjess' UE Diary

Hi. Can anyone point me to any letters on full and final settlements please? Thanks.