The Sub Prime Credit Thread - Part IV

Zack1

never-in-doubt wrote: »

I agree with them in one respect but doesn't mean I think I should have to 'pay' for one

I'm sure some on MSE will find a loophole to get it for free

Those pictures look impressive though! Eventually, having that instead of a passport would be nice!

never-in-doubt

anguk wrote: »

most info seems to be for the normal credit account.

Which is what she'd be applying for and then as part of the credit account, she could then apply for 3 months interest free etc.... you follow me? You have to have a credit account before you can take advantage of the special deals and buy now pay later deals

noah271007

Anything credit related will almost certainly be credit searched unfortunately.

noah271007

Zack1 wrote: »

I'm sure some on MSE will find a loophole to get it for free

Those pictures look impressive though! Eventually, having that instead of a passport would be nice!

Nah, you have to pay £30 to have one. Only airside workers at london city and manchester airports will have their fees waived as part of a trial scheme....

Apparently the £30 fee is likely to increase after 2 years when retailers take over to manage and collect biometrics and processing applications in 2012 (when it goes nationwide).... Boots are one i believe in the running as they have a wide network of boots branches in UK.

never-in-doubt

noah271007 wrote: »

Boots are one i believe in the running as they have a wide network of boots branches in UK.

Ahh Boots eh?

I remember the days....... went into my local newsagent and asked the shopkeeper for a packet of condoms! He said 'go to boots mate' so I told him straight - 'I wanna [EMAIL="f@ck"]f@ck[/EMAIL] her mate, not kick her to death'!

(sorry - the jokes get worse lol) :rotfl: :rotfl:

ElkyElky

The ID card is just another scheme where the Government can rob us of our money. It may cost £30 now but next year it'll be £50, then the year after £72.

The price will gradually be increased, just like the passport. Just another pain in the !!!! scheme thats wasted tax payers cash.

£77.50 for a passport. How could they justify that cost?? It can't be anymore than a few fence for the passport paper, and a few quid for the staff member to enter the information into the computer.

jipp05

Hi im really hoping someone can give me some advice. I checked my credit file today and the final default has been removed after the 6 year date so i was really pleased. However i got a letter from aktiv kapital this morning telling me they are sending someone to my house and if i dont pay an old default they will taker legal action.
I have worked really hard paying off my debts to get my file clean and this last one i am sure has been paid so i dont know what to do. I wrote to them months ago telling them it was statute barred and got no reply so i was wondering if i should phone them and tell them to stop threatening me with court action as it is againt the rules? Also they have linked my address with my old 1 will this pose a problem for me as i do put my old address down on any applications?

wayne99

jipp05 wrote: »

Hi im really hoping someone can give me some advice. I checked my credit file today and the final default has been removed after the 6 year date so i was really pleased. However i got a letter from aktiv kapital this morning telling me they are sending someone to my house and if i dont pay an old default they will taker legal action.
I have worked really hard paying off my debts to get my file clean and this last one i am sure has been paid so i dont know what to do. I wrote to them months ago telling them it was statute barred and got no reply so i was wondering if i should phone them and tell them to stop threatening me with court action as it is againt the rules? Also they have linked my address with my old 1 will this pose a problem for me as i do put my old address down on any applications?

if the debt is over 6 years old, and you have not acknoledged the debt in writing or made a payment in the 6 years then the debt is unenforcable in the courts, so just send them another 6 year letter, send recorded delivery and keep a copy for your records.

secondly they can send anyone they like to your home, but they cant do jack all without a court judgement to enforce so dont worry. they can threaten all they like but if the debt is over 6 years old they cant do !!!!!! all other then make threats.

the 6 year letter is here:
http://forums.moneysavingexpert.com/showthread.html?p=26870341#post26870341

Statute Barred Letter (England only)

Dear Sirs,

Re: Statute Barred Account - Numbered - XXXXXXXX

You have contacted me regarding the account with the above reference number, which you claim is owed by myself.

I would point out that under the Limitation Act 1980 Section 5 "an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued".

I would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that "it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period".

The last acknowledgement to this debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me in the relevant period under Section 5 of the Limitation Act, I suggest that you are no longer able to take any action against me to recover the alleged amount claimed.

The OFT Debt Collection Guidance states further that "continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statue barred could amount to harassment".

I await your written confirmation that no further contact will be made concerning the above account and confirmation that this matter is now closed.

I look forward to your reply.

Yours faithfully




Sign digitally


door setp visit letter is here:

http://forums.moneysavingexpert.com/showthread.html?p=26867957#post26867957

Threat of Doorstep Visit

Dear Sirs,

Account No: XXXXXXXX

Please be advised that I will only communicate with you in writing. I have noted your repeated attempts to contact me over the past few weeks and these have been duly logged by time and date.

Furthermore, should it be your intention to arrange a “doorstep visit”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you.

There is an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

Yours faithfully




Sign digitally

please note these are not my letters. so full credit goes to never-in-doubt.

ta

wayne.

seeya23

do not phone them send the statute barred letter again


statue barred letter

Address
Date

Their Address

I do not acknowledge any debt to you or any other company or organisation that you claim to be representing.

Dear Sir/Madam

Ref Number: ______, Agreement Number: _____

You have contacted me regarding the account with the above reference number, which you claim is owed by myself.

I would point out that under the Limitation Act 1980 Section 5 "an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued".

I would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that "it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period".

The last correspondence/payment/acknowledgement or payment of this debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me in the relevant period under Section 5 of the Limitation Act, I suggest that you are no longer able to take any court action against me to recover the alleged amount claimed.

The OFT Debt Collection Guidance states further that "continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970".

I await your written confirmation that no further contact will be made concerning the above account and confirmation that this matter is now closed.

I look forward to your reply.

Yours faithfully




Print Name, Do Not Sign

Zack1

noah271007 wrote: »

Nah, you have to pay £30 to have one. Only airside workers at london city and manchester airports will have their fees waived as part of a trial scheme....

Apparently the £30 fee is likely to increase after 2 years when retailers take over to manage and collect biometrics and processing applications in 2012 (when it goes nationwide).... Boots are one i believe in the running as they have a wide network of boots branches in UK.

Ah cheers. It does seem strange to be charging us if they are going to become compulsory. Driving Licenses and Passports I can understand charging for (even though Passport costs are a bit over the top) - because, despite the fact most people have them, they are optional.