I want to know when any defaults were recorded - is it a bad idea to check ?

Hello all,

It's still a little bit of time until any of mine are Statute Barred but it's a lot nearer than when I started! In fact, I've just looked and it's just over a year until all of mine are SB!

I've been looking around the site but I haven't found anywhere that describes...

Hi there AAD
hope you can advise me. A few months ago out of the blue
I received a letter from Capquest re an old nat west credit card
that I know for sure defaulted in 2009. However nat west was not mentioned in the letter
the client was named as arrow global. I duly...

Has the court case resolved the definition of the 'cause of action'/actual date from which SB can be determined? I may have been sleeping.

For example payment due is an amount determined in the agreement e.g. 5% of the amount due on 16th calendar day of each month
If you make any...

Hi everyone,
I took out an iva in jan 2009 but due to redundancy last paypent was in April 2009. The IVA failed court paperwork dated in november 2010. Is the statute barred date from last payment? or from when the IVA failed?
Nearly all have been removed from my credit file except for...

I have a credit card account being chased by Lowells, where my last payment was in May 2009 but the DN was not issued until October 2009. Is it safe to send them a Statute Barred letter now (after they contact me again with any demands)?

Seamus.

Hi,

I have had two texts and a letter in the last three days from Bryan Carter Solicitors, on behalf of Fredrickson International/Lowell's about an old credit card debt.

It should go to Statute Barred on 15th September this year, 6 years since default.

They...

Hello, may I ask assistance for my sister who had a mbna/virgin card taken out in 2003 and was unable to keep up payments in 2010. Is the application form and T&c's sufficient to get a ccj against her. The prescribed terms received from the cca request claim to be what was overleaf on the application...

I have a few cards that are due to become statute barred around the middle of this year.

Or at least that's what I thought until a couple of days ago.

Hence this new thread.

I was advised that the SB clock re-starts at the point of a claim being issued, which...

This is a summary & continuation of the thread I started "Cap 1 sold to Lowell" at http://forums.all-about-debt.co.uk/s...sold-to-Lowell


I, like others here, heard recently from Lowell that they had bought my account from Capital 1.
...

if you go to a financial advisor for some expert advice, and you later find out that the advice turned out bad...how long do you have to complain ?

The reason I ask is that I have it in my head you have 6 years...but 6 years from when...? the original advice or the date you realised the...

Ok, I am hoping some of the clever people on here will be able to give me some guidance on this!

In 2000, I was starting a new job and with a lower salary for the first 2 years was struggling. My bank (Lloyds) offered me two things, a loan of £4000 and a credit card with a limit of £3000...

Yep, the titles correct CB needs some advice.
Hey not been fully involved in the whole DCA game for ages, so need to get back up to speed.

Helping a friend with a Cabot debt.
Passed around a number of DCA's and ended up with Cabot and farmed to Mortimer Clark who actually started...

Everyone should keep an eye on their Lloyds bank accounts. No payments have been made since 2010; today an annual statement has arrived showing a payment of £18 from last year. I know that no payments have been made so I will be finding copies of the relevant bank statements to cover myself. This is...

Good morning all,

I am just scanning some agreements to mail niddy with to check them out.

My question is when is a statute barred taken from? Is it the last transaction/payment on an account or later? Im confused because things seem to have changed now to the "cause...