Sub Prime Credit Thread Part III

seeya23

good evening to all

Innocent_Guy

seeya23 wrote: »

good evening to all

Good Evening

fairmorn308

guys

my letter i posted before today can someone help me with a reply as i would like to get it in the post 2mo morning

Innocent_Guy

fairmorn308 wrote: »

guys

my letter i posted before today can someone help me with a reply as i would like to get it in the post 2mo morning

Hi Mate,

What did you exactly want from them?

Just a cheque?

fairmorn308

well in scotland a default is only valid for 5yrs not 6yrs but the 6yrs is up in november so am happy enough to wait until then as it states clearly that it will be removed.

Yes how do i go about asking for another cheque cause i sent the other one back to them.

Innocent_Guy

fairmorn308 wrote: »

well in scotland a default is only valid for 5yrs not 6yrs but the 6yrs is up in november so am happy enough to wait until then as it states clearly that it will be removed.

Yes how do i go about asking for another cheque cause i sent the other one back to them.

Well,

I would get the default removed even if they say it only has a few months left.

Agnowledge the letter and advise that as the funds were previously disputed you did not cash the cheque so can they re-issue it.

never-in-doubt

fairmorn308 wrote: »

guys

my letter i posted before today can someone help me with a reply as i would like to get it in the post 2mo morning

Mate was the cap1 reply (here: #7097 ) in response to this letter here, that I done for you: http://forums.moneysavingexpert.com/showpost.html?p=24306253&postcount=6693

If not, then what cos i'm confused? If you win reclaim charges then they do not use the money toward the debt - they send a cheque for the full lot to you mate. Who told them to keep £400 odd pounds like?

Its not for them to decide, its your money and you do what you want with it - it is not to be used to offset the original debt unless you tell them this.

Also, the letter I done suggested your default was like 7 years old - i.e. it was 18mths late from the default date and you never mentioned money in it - or did you add it later. Can you update me

Going on from their letter (here: #7097 ) they have broken the law mate! They asked for £400 odd in January by their own admission at which point the default was 5yrs 2mths old, again by their own admission. Therefore they have broken the Limitations Act by their own admission - all within the letter!

savagej

fairmorn308 wrote: »

well in scotland a default is only valid for 5yrs not 6yrs but the 6yrs is up in november so am happy enough to wait until then as it states clearly that it will be removed.

Yes how do i go about asking for another cheque cause i sent the other one back to them.

I was thinking about the 5 year rule and I am sure if you wanted a default off after 5 it might be possible. You threaten court action based on the law in Scotland, that it is no longer enforceable and under the Data Protection Act it is breaching one or more of the principles. Possibly only holding data as long as it necessary i.e. if in law it cant be enforced it is no longer reasonable to process the data. NID knows much more about this than I do.

fairmorn308

never-in-doubt wrote: »

Mate was the cap1 reply (here: #7097 ) in response to this letter here, that I done for you: http://forums.moneysavingexpert.com/showpost.html?p=24306253&postcount=6693

If not, then what cos i'm confused? If you win reclaim charges then they do not use the money toward the debt - they send a cheque for the full lot to you mate. Who told them to keep £400 odd pounds like?

Its not for them to decide, its your money and you do what you want with it - it is not to be used to offset the original debt unless you tell them this.

Also, the letter I done suggested your default was like 7 years old - i.e. it was 18mths late from the default date and you never mentioned money in it - or did you add it later. Can you update me

Going on from their letter (here: #7097 ) they have broken the law mate! They asked for £400 odd in January by their own admission at which point the default was 5yrs 2mths old, again by their own admission. Therefore they have broken the Limitations Act by their own admission - all within the letter!

This is the problem due to them saying they are keeping £400 odd and i was saying no i want full payment and it went to court and i lost

wizzywig27

A quick question, if the ex's grandparent took me to small claims court, for 'money owed' and the court found in her favour, who will they register the CCJ with? Also I receieved a letter around December time (last year) and they advised me they were no longer managing the account and I would recieve a letter from the new company but never did, and have not since, will I be getting defaults? I totally new to this CCJ game!