Sara (Debt Camel) says

Santander loan – you’ve got been making repayments to this so that it won’t ever be stature banned. It drops off your credit record they can go to court for a CCJ if you stop paying when. Whenever it falls down your personal credit record it will http://cartitleloansextra.com/payday-loans-nh not any longer influence your credit rating.

Halifax – it is correct that the Halifax debt will still show but it should show a balance of zero if they have sold this to Link. What kind of financial obligation had been this loan that is– bank card overdraft?

Hi sara I’ve had a page from Tesco bank which will be an annual statement of a loan that is personal away. We had written back once again to tesco along with your stat barred template plus they confirmed that the past re re re re payment to your account ended up being and they’ve delivered statements every six months and thus they think the account remains enforceable, We penned straight back plainly stating that the account is stat barred as no repayment or contact made but they’ve been insisting that simply because they delivered statements every half a year they state that its maybe not stat barred, We asked for one last reaction page when I said im likely to escalate to fos and so they state their last reaction continues to be the exact same rather than changing it, any advice could be great.

Sara (Financial Obligation Camel) says

Have actually they ever delivered you a Default Notice?

Hi sara thank you for getting right right back. Because far at all up to this point as i’m aware I never had any communication from them. The account was at standard to my credit file for 6 years but dropped down nearly 24 months ago.

This is actually the response that is final Tesco:

In light associated with the interaction we’ve occasionally issued towards the given information held on record, we’dn’t see your debt as unenforceable and would continue steadily to recover the monies owed, based on the contract finalized by you.

There is no re re re payment or contact from me personally or as I’m aware from them, but as above they have been saying because they delivered statements occasionally so that they don’t see your debt as unenforceable, is this them simply completely ignoring the the limitation work?

Sara (Financial Obligation Camel) says

it seems like it for me. It is best to speak with National Debtline by what to accomplish next.

I’ve had a financial obligation for more than 6 12 months now the initial company was shop direct a catalogue business. My account was defaulted with missed payments because of an illness that is mental we put up a repayment plan spending £1 four weeks before long we received letters informing me personally my financial obligation was at the arms of a financial obligation company also to maintain the re re payment plan going I experienced to change re payment for them I became bombarded with letters and calls that we ignored and kept the £1 per month re payment going after a few years we received a page saying Lowell team had bought out and I also changed the £1 payment intend to them. And once more I became bombarded with letters and telephone calls that I ignored chances are they stopped calling me personally years passed without any contact my credit rating had been marked red now six 12 months has passed away plus the financial obligation was cleared from my credit history. Now the telephone phone phone calls have begun once again and a pre appropriate evaluation page supplying a 40% discount is here. We don’t know very well what to accomplish can they just just simply take us to court or do I contact them and attempt to create a countertop offer to be in your debt.

Any advice is an excellent assistance.

Sara (Financial Obligation Camel) says

Whenever did a payment last be made by you for this? would you remember if Shop Direct ever delivered you a Default Notice?

My son has simply gotten a page from the dca, acting for the ongoing business that purchased the debt from their bank, for the loan that has been applied for. he’s since move house a few times….and had no communication from anyone saying your debt happens to be offered etc. Would he need certainly to spend /acknowledge the new company etc…..there is nothing showing in their credit history about this many thanks

Sara (Financial Obligation Camel) says

It may be statute barred. I will suggest he foretells National Debtline about their choices – 0808 808 4000. It, it is possible he may have to defend a court case if he ignores.

I’ve an 8 12 months debt that is old We have actuallyn’t produced re payment on for 7 years. I’m perhaps perhaps maybe perhaps not being earnestly pursued because of it, however it sits in my credit report as ‘6 months late’ and appears to possess never ever been defaulted. I’m perhaps perhaps not able to produce a payment…can there be any real method of getting it down my file except that spending it in complete? Ethically I’d rather that is much it but i need to explore all choices available to me personally.

Sara (Financial Obligation Camel) says

What kind of financial obligation is it? Could it be nevertheless with all the lender that is original has it been offered to a debt collector? whenever had been you last contacted about it financial obligation?

And it is this your only financial obligation issue?

Sorry, little more detail – It’s a Halifax pupil account overdraft. We joined a payment plan using them but unfortunately destroyed my work, so that the last repayment. I experienced updated these with my brand brand brand new address because initially I opted with my University target, but on my credit report it has the address that is original. We haven’t heard it is my only debt from them and yes.

Sara (Financial Obligation Camel) says

whenever had been initial six months later marker used?

after which from the time it shows for almost any thirty days so far.

Sara (Financial Obligation Camel) says

In order to ask Halifax to put in a default straight back. your debt would then drop down your credit score straight away once the deafult could be significantly more than 6 years back.