Can someone please clarify the situation regarding annual statements?
What are supposed to receive them for?
If you dont receive them does this make a debt UE?
Can this be rectified?
Thank you
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Annual Statements
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The start of a debt free life
Hello all, just a little about me - my hubby and I have found ourselves in big debts altogether, and after browsing through this forum over the past few days (which has already turned out to be super helpful and supportive) we both made a decision yesterday to stop making payments in anticipation of... -
Help and advice for debt of over £80k+
Hello all I'm new to this forum and I'm really hoping you are all a friendly bunch who won't judge me too much
My husband and I have always been in debt for as long as we've been together, and we are at the point where we are just being crippled every month with high interest and fallen... -
URGENT HELP PLEASE - Letter from Restons Solicitor
Have been onthis forum for nearly 4 years. I have been quietly getting on with the unenforceable route with five different debts.Everything has gone well until today when I received this letter. I am unsure as to my response as I still have not received a proper signed original agreement from a CCA... -
Lending Stream / PRA Group
Hi all, I'm on a quest to clean up my Experian report and have two entries for the same debt which I need some advice with.
They are Lending Stream & PRA Group.
The entries read as follows:
Lending Stream:
Account Started: 28/01/2011; Default Balance: £788;... -
CCA response
Hi , new here , someone recommended this site.
I got into debt after a divorce and was in a DMP. I stopped paying the DMP in October as the company was no longer able to operate so have decided to sort stuff out myself. I sent off some CCA requests to three debts and have had back a couple... -
credit file and UE debts question please
It's about nine years since we had problems paying our debts - first we had a dmp and paid through them and then in 2012 July we joined here and doing the UE route .
My question is this and i think i asked it before but not the same way lo.
If our debts are now UE but not yet SB do... -
CCA Request Payment.
Hi All, New to this. Sent a CCA request to an Alleged Account Purchaser and the £1 fee
was paid into the Alleged Account making it look like I had made that payment. What are
the Legal consequences of this action. Could it be construed as Fraud. -
British Gas: default from 2007
Hi
After many years of terrible credit I FINALLY had an excellent credit score. All my defaults had dropped off as I had an excellent score.... until
background: I moved out of a jointly rented flat when I split up with an ex boyfriend, in 2007. As far as I was aware, all bills... -
Checkng for 'previous debtor'markers
Has anybody ever requested a SAR from a creditor where the debt is SB and Default annulled?
Most financial systems delete records after 7 years of the last activity. The cost of maintaining, archiving records, and recalling archived records is high. So will past creditors keep and check... -
Catalogue default
Sorry another question about a small Next Catalogue debt.
- The default date has been set at July 2013.
- At that time, the outstanding balance was around £50.
- I wrote to the creditor advising of position and offering token monthly payment - this was declined.
- The default - dated
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Debt Advice Please
Hello Everyone!
I have two CCJs on file - one being paid off (slowly) and the other default in judgment but rarely hear anything from them.
I also have a multiple defaults from 4 year old accounts.
All the creditors have written off the debts except for Lowell... -
Hereford Vets UE Diary
Well here goes firstly thanks for everyones initial advice its taken a huge weight already irrelevant of the outcome! Ive started my quest to get debt free with a lot of old credits cards!
Quick outline run up lots of debts upto 2007 due to failing business, robbed peter to pay paul and... -
HFX C.Card from 2002 now with 1st Credit
Hi everyone
I'm being pursued by 1st Credit for an old HFX Ccard debt – not stat barred until August/Sept
Haven't received Claim yet, but they have had Lester Aldridge write to me giving me 16days to pay 1st Credit etc etc
I can upload or PM several pics here hoping for some... -
UE Diary of Susieblings Daughter
I think this diary method keeps everything neat and tidy, so I m doing it, Sorry for the posting elsewhere but took a while to decide course of action .
Co operative Bank
Type : Credit Card
Date Started : 4th September 1997
Approx Balance :£4564.07 as at Dec 2016...
