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Amusing emails between my partner and "ken" @ TBI Financial Services (Re: alleged Llo

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Comments

  • fatbelly
    fatbelly Posts: 23,825 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    BASFORDLAD wrote: »
    He can indeed do that, but by the time i had to put my defence in (after asking for the extra 28 days to reply (from the date of service) then it would be SB by then

    They have six years to commence a court claim!
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    BASFORDLAD wrote: »
    Well it doesnt really matter as checked some old paper work and its statute barred in 22 days :)

    Which is 6 years from what exactly?

    Accrual of the cause of action? i.e the first missed payment date?

    Or 6 years from a payment or acknowledgement that was made AFTER that accrual of the cause of action?
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    Oh, and agree with fatbelly there.

    They have 6 years to register/start the claim with the court. If they start that within the 6 years, how long you take to respond or the court to make a hearing or judgement is irrelevant.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • Delree
    Delree Posts: 540 Forumite
    Part of the Furniture 500 Posts Combo Breaker Debt-free and Proud!
    Good luck OP but I fear you might end up with egg on your face, hopefully not though, keep us posted :)
  • BASFORDLAD
    BASFORDLAD Posts: 2,418 Forumite
    Delree wrote: »
    Good luck OP but I fear you might end up with egg on your face, hopefully not though, keep us posted :)

    Will do !

    I will be disappointed if we don't actually get a claim form.

    My Partner never signed a credit agreement for this card, so that will erm sink them further :)
    For everthing else there's mastercard.
    For clampers there's Barclaycard.
  • Gordon_Hose
    Gordon_Hose Posts: 6,259 Forumite
    Debt-free and Proud!
    You don't always have to sign a credit agreement. Depends.
  • BASFORDLAD
    BASFORDLAD Posts: 2,418 Forumite
    Gordon_Hose wrote: »
    You don't always have to sign a credit agreement. Depends.

    That is true for post 2008 , how this would have been governed by the CCA 1974.
    For everthing else there's mastercard.
    For clampers there's Barclaycard.
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