Hello All,
New person here, sorry if i come across as not doing proper search.
I have two debts in my credit history due to my family members (Mother and Sister) buying a lot of catalogue items (Isme and Very) under my name and paid it with my debit card (I have given my debit...
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Transferring Debt to liable person
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Info re defaults logged with credit ref agencies whilst an account remains unenforceable
Hi all,
Stumbled upon this today, which is an interesting report on a successful appeal clarifying legal status of creditors listing defaults with credit referencing agencies when an account is recognised as wholly unenforceable. I assume that also includes SB which in itself legally... -
Statute of limitations? or default IVA very confused..........
Good afternoon,
So Im hoping someone can help me with an explanation if nothing else.....
So a couple of years ago myself and my husband tried to enter into and IVA however we kept trying to tell the iva company that the repayments they were saying we could afford to make were based... -
Failed IVA
I am looking for some advice as I have some old debt from a failed IVA, the last payment I made to the IVA was Feb/Mar 2009, I am just starting to get letters from recovery companies offering "huge discounts". I never heard from the IVA company after my last payment despite asking them for... -
Can anyone confirm default notice compliance please
Hi all,
Hope you all had a great Christmas and a happy new year to everyone.
I am pleased to say that all of my challenged accounts are now SB and have begun dropping off my credit reference records.
There are few that are still sitting there for a few... -
Advice on Enforceability and Statute Barred please
Here goes everyone...
In 2010, I entered into a DMP with ten creditors but for various reasons it failed 9 months later and I have paid nothing since. Most of these debts have changed hands several times since then and I haven't heard from some of the creditors for years. I have checked... -
A broker who can help with a CIFAS marker - mortgage required
Hi,
I'm new to forums but was looking for some help and advice.
I applied for a mortgage about 12 months ago, as part of the application I falsified my documents to inflate my income. To cut a long story short I now have a CIFAS marker against my name for application fraud... -
MKDP - BARCLAYCARD
I’m starting this thread for reference purposes, just in case!
I’ve just had a Notice of Discontinuance dated 16th December from MKDP for a claim they issued in May 2012!
Brief history, reduced income in 2009 Barclaycard wouldn’t assist my OH so I didn’t bother approaching... -
CRA authority or advertiser
Do CRAs have any authority to confirm the data they publish is correct or are they merely collecting and distributing it, like a newspaper provides a means of advertising?
So if there are errors on the reports and the subject chooses not to correct, are the CRAs (or anybody else) able to... -
Barclaycard gives its 10.5m customers free access to credit scores
Barclaycard gives its 10.5m customers free access to credit scores
This is a duplicate of the Blog Entry made on: 19th November 2015 10:13
as data shows six in ten have never checked theirs...
Barclaycard will offer its customers free, regular access to their Experian credit -
TV
Hi All
On advice from my other thread under DRO is this my best option I thought I should update a diary here as a may try the Unenforcable route if I can
Firstly I have two debts due to a divorce
Natwest CC £2050 ( Increasing by 30 pounds per month due to arrears)... -
Contact or not?
Hi all
I received some very wise and valuable help on here in the middle of last year regarding an account with Co-op Visa with an alleged debt of £4934.
In short, the original CCA agreement from 1993 was improperly executed and is therefore totally unenforceable.
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Cardio diary
Type - Bank Overdraft
Started - 1990's
Balance - £600+
last payment - may 2012 £1.00
Present - not paying
Status - Defaulted April 2007 (now off CRA file)
Owner - cabot financial (uk) ltd
I used to have a bank account with x bank then transferred to...Last edited by cardiac arrest; 11 November 2015, 17:43. -
Lowells and CRA.
Original debt was with Barclaycard
Last payment june 2009
Default notice served by Mercers 1st October 2009.
Went round the houses, via Mercers,Scotcall,Calder, Credit Solutions, Power 2 Contact, AIC, and Wescot between October 2009, and May 2011.
Then nothing... -
Sending Letters to my Mothers home
Hi Guys,
GlobalC here writing from sunny and hot Asia! As some of you may remember I sold up and moved to Asia 3 months ago. On the day i got on the plane I posted a letter to all my creditors explaining that I no longer live in the UK and could no longer afford payments. I left them with...
