Sub Prime Credit Thread Part III

score

Definitly A NO NO Then.
Alright then is the Ulster bank related to the RBS bank as the website looks very similar.

Parki_2

Its part of the RBS group.

Chocolate_Button_2

sutton111 wrote: »

Congratulations Chocolate.

thanks sutton, just hope citi reply sometime soon!

Parki_2

Has anyone tried asking a credit card company to remove a default in the agreement that you wouldnt claim any charges back? Or would that be a bad idea?

never-in-doubt

Woodyrocks wrote: »

I have just read that if a CCJ is not settled within the 6yrs drop off time that it just gets reissued so that it stays on your file for another 6yrs - surely this is wrong!

That is only if the original ccj loader wanted to put it back on but they often don't - also, lawfully, they can't and it's easily removed.

never-in-doubt

duggie1982 wrote: »

As far as i'm aware it 5 years in Scotland and 6 years anywhere else. I dont think writting to a company asking to prove the debt is classed as admiting to the debt. So if you have not made a payment for 5/6 years and not contacted them about your debt except asking them to prove it then you should get the debt statue barred. More info here:

http://forums.moneysavingexpert.com/showthread.html?t=703585

And

http://forums.moneysavingexpert.com/showthread.html?t=963087

We've recently built a thread regards to this subject:

http://forums.moneysavingexpert.com/showthread.html?t=1674391

Specific stature barred letter is here: #69

In Scotland the debt is statute barred after 5yrs since 1st missed payment so basically you missed payment in Jan 2004 - in Jan 2009 the debt became statute barred. It is not 5yrs from the date of last payment but the date of 1st payment missed.

victor-meldrew_4

never-in-doubt wrote: »

We've recently built a thread regards to this subject:

http://forums.moneysavingexpert.com/showthread.html?t=1674391

Specific stature barred letter is here: #69

In Scotland the debt is statute barred after 5yrs since 1st missed payment so basically you missed payment in Jan 2004 - in Jan 2009 the debt became statute barred. It is not 5yrs from the date of last payment but the date of 1st payment missed.

how did you get on at work.?
got 300 limit with laredoute

victor-meldrew_4

Parki wrote: »

Has anyone tried asking a credit card company to remove a default in the agreement that you wouldnt claim any charges back? Or would that be a bad idea?

be nice if it worked.probably not legal though

never-in-doubt

duggie1982 wrote: »

I have a question about Statue Barred. My example with o2 sitting at 6's for the last 5 and a half years without defaulting and actually chassing the debt, can I still send a Statue Barred letter and do they remove the data from the CRA's or just stip putting more on each month?

You'd send this letter: #69

It pretty much tells them what to do. Like it or lump it, they have to remove the data because the debt has, if you like, run its course and is unenforceable. However, some CRA's will argue that they want to leave it on your file, in which case you issue a s.10 Cease & Desist letter (here: #38 )

never-in-doubt

Parki wrote: »

They can put a default back on?

NO! Only if it was the same default for the same debt using the same load dates.

Sutton, care to tell me the details so i can do you a letter to get it off again mate