Start of my diary

[nightwatch]

I know I have written this before. But I can't remember how I found AAD but I truly believe this site saved my life!

There are too many people on this site to thank, but thanks to all who shared there wisdom with me...

Di, isn't on the site, she is dealing with on going health problems, awaiting breast surgery, but I will pass on your thanks when we next chat.
we don't talk about the site ,but I am sure your good news will cheer her up.
NW

[Strepsi]

I know I have written this before. But I can't remember how I found AAD but I truly believe this site saved my life!

There are too many people on this site to thank, but thanks to all who shared there wisdom with me...

[Roger]

Statute barred!!
My word that has been a long road.
Thanks ever so much for all the help.

I agree Strepsi A very big thanks to AAD especially the MODS from ALL of US who have trod this Statue Barred road!
Speaking for myself I couldn't have done this without AAD and Joanna Connolly

[Strepsi]

Statute barred!!

My word that has been a long road.

Thanks ever so much for all the help.

[nightwatch]

How does life look, when you have become SB'd and defaults have gone?

Are you ever able to get credit again, is your choice of cards terminally affected as a result of following UE/SB route.

This has been one long road, one that saw myself and wife amass in excess of £70000 of debt. Debt that we wouldn't of had any hope of paying off.

Debt of such a massive amount that very nearly finished me off. I honestly think that this site really saved my life.

So having a limited choice of CC is a price very much worth paying. Oh for clarification sake, I will never make that same mistake again, but having a CC for emergency is only thing we consider now!

Hi, We owed £120k+,when we started on the UE journey Hubby has a CC for emergency use, we have a loan and Car finance,

As Still waving says look around you can find CC deals with good rates out there, then further down the line apply for the intrest free transfer offers to clear it. Just read the small print

[Still Waving]

Probably best to steer clear of the banks you previously owed money to. There seem to be a good number of alternatives these days. I remember Niddy making a post years ago about his own experience of applying for new credit cards. I probably wouldn't be able to find it now.

[Strepsi]

How does life look, when you have become SB'd and defaults have gone?

Are you ever able to get credit again, is your choice of cards terminally affected as a result of following UE/SB route.

This has been one long road, one that saw myself and wife amass in excess of £70000 of debt. Debt that we wouldn't of had any hope of paying off.

Debt of such a massive amount that very nearly finished me off. I honestly think that this site really saved my life.

So having a limited choice of CC is a price very much worth paying. Oh for clarification sake, I will never make that same mistake again, but having a CC for emergency is only thing we consider now!

[Roger]

What is perceived as acknowledging a debt? Writing a letter in regard to the debt? A cca request is one such letter? Is it defined legally or is it open to interpretation by judge based on fictitious records by purchaser?

Contesting Credit Reports can be evidence of recognising Debts!
CCA requests USE AAD template (soliciter approved)
Care with any other letter's this is where AAD is really helpful!

Do not reply or use emails, SMS, Phone Calls Insist on SNAIL MAIL
The Consumer Credit Act 1974 is SNAIL Mail.

[Timewilltell]

What is perceived as acknowledging a debt? Writing a letter in regard to the debt? A cca request is one such letter? Is it defined legally or is it open to interpretation by judge based on fictitious records by purchaser?

[Roger]

If you want fuller information look at Financial Conduct Authority (the 1 month? always known this can't off hand find the reference BUT look when did a payment register on the DBA's Accounts? A delay between making a payment and accounting for the payment! Accounting was manual for years!! )
CONC 7.15 Statute barred debts
CONC 7.15 Statute barred debts - FCA Handbook

[Strepsi]

jassasblue
AAD Loyalist

• Join Date: Jan 2014
• Posts: 191

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#323
22 December 2019, 17:19
Well, I can't believe it, I have passed the statute barred date for all of my debts apart from just the one, my last payment to all creditors was 16/12/2013

I have found the above post whilst searching other people's Statute Barred threads.

That to me looks like it is just 6 years. I have read a few times 6 years + one month, why the one month?

[Strepsi]

Its six years plus 1 month so earliest will be say March 2022.

I remember seeing mine drop away and dates and deadlines pass away! Great feeling. But I took the decision to lie low just in case I had unintentionally restarted the SB clock! I had a couple of spats over Credit Entries! These I understood could have be interpreted as acknowledging the DEBT!

Why plus one month?

[Roger]

Its six years plus 1 month so earliest will be say March 2022.

I remember seeing mine drop away and dates and deadlines pass away! Great feeling. But I took the decision to lie low just in case I had unintentionally restarted the SB clock! I had a couple of spats over Credit Entries! These I understood could have be interpreted as acknowledging the DEBT!

[Night Monkey]

Fingers crossed for you...

[Strepsi]

Check all your paperwork, and make absolutely sure of the SB date. You don't want to fall on the run up to the line. As you have probably been told, there are various factors which determine the actual SB date. Any application for credit could alert creditors, so you need to be absolutely sure about this. Creditors will likely chase you anyway, but they are toothless if you are definitely SB.

So definitely double-check SB dates (they are likely to be different for each account you had) AND as previously mentioned, check your CRF for any adverse entries which could compromise your attempt to get credit.

So I have just checked bank statement, all my final payments were made in January 2016. The dates range from the 4th January up to the 28th.

All bar one have gone from my credit file, the one that remains has been won by Jo.