Sub Prime Credit Thread Part III

seeya23

good afternoon to all

duggie1982

Afternoon seeya. this thread is very quiet today

seeya23

duggie1982 wrote: »

Afternoon seeya. this thread is very quiet today

just a bit still no cif or sutton today

TheEffect

Arg. I upgraded to a silver account with Lloyds. then phoned and said I've damaged my card, hoping to get a silver one to replace the horrible green monstrosity. Post came today and I've got a green one again.

seeya23

it took 45 min just to pay some money in at the abbey

never-in-doubt

duggie1982 wrote: »

I'm sure your in your bed the now NID but just to clarify. Even if they are not chassing the debt can I still sent the statue barred letter and ask them to remove my late payments and (on other accounts) get them to remove the defaults? If this is correct it means I can remove my 'bads' from my CF 1 year early (in Scotland)

Hiya mate - yes I was in bed then LOL.....

If they are not chasing it then i'd leave it, bottom line is that they could register a default now at this late stage which would snooker you a little (yea, it'd be unlawful and you would then use statute rules to enforce next year) but if you have no need to contact them then just wait until next year mate cos the CRA will auto drop it after the 6yr period. If not then you demand enforceability.

Does that answer it for you?

I mean, the other option is to write and enforce it now under Statute Barred ruling (letter here) but then it could backfire and cause you hassle with the CRA which to be honest is the problem - trying to get them to realise statute comes off before a default but they like to argue this fact!

Up to you mate, personally if you're talking 1yr then i'd be sitting tight......

Parki_2

Hey guys.

Im still waiting for Cahoot to remove the note about my DMP. They said they would do it but its been months and now neither Experian or Cahoot have replied to my email asking why it has not been done. Should I email them again or just wait to see if they get around to removing it.

never-in-doubt

Parki wrote: »

Hey guys.

Im still waiting for Cahoot to remove the note about my DMP. They said they would do it but its been months and now neither Experian or Cahoot have replied to my email asking why it has not been done. Should I email them again or just wait to see if they get around to removing it.

send the s.10 cease & desist notice mate - found here: http://forums.moneysavingexpert.com/showthread.html?t=1674391

demand they either remove it or make you enforce they remove it would be a good start in any letter you send......

duggie1982

never-in-doubt wrote: »

Hiya mate - yes I was in bed then LOL.....

If they are not chasing it then i'd leave it, bottom line is that they could register a default now at this late stage which would snooker you a little (yea, it'd be unlawful and you would then use statute rules to enforce next year) but if you have no need to contact them then just wait until next year mate cos the CRA will auto drop it after the 6yr period. If not then you demand enforceability.

Does that answer it for you?

I mean, the other option is to write and enforce it now under Statute Barred ruling (letter here) but then it could backfire and cause you hassle with the CRA which to be honest is the problem - trying to get them to realise statute comes off before a default but they like to argue this fact!

Up to you mate, personally if you're talking 1yr then i'd be sitting tight......

Cool I think I will just leave it then after all its only a year plus I use my sisters non sub prime credit card the now until they all drop off.

Although should the notes on my credit file still come of next year even though its not defaulted yet?

Thanks for the advice. :T

Parki_2

never-in-doubt wrote: »

send the s.10 cease & desist notice mate - found here: http://forums.moneysavingexpert.com/showthread.html?t=1674391

demand they either remove it or make you enforce they remove it would be a good start in any letter you send......

Do you mean the 4th letter from in that thread even though the account is not in default?

I just really think that DMP note is really not helping my chances of getting credit. Would you send it to Cahoot or to the cred reference agencies aswell who arent replying to me in their guidline times?

Cheers btw