Sara (Financial Obligation Camel) says

Santander loan – you’ve got been making repayments to this therefore it won’t ever be stature banned. if you stop spending when it falls down your personal credit record they are able to head to court for the CCJ. When it falls down your credit score it will no more influence your credit rating.

Halifax – whether they have offered this to Link, its proper that the Halifax financial obligation will nevertheless show nonetheless it should show a stability of zero. What type of financial obligation had been this loan that is– charge card overdraft?

Hi sara I’ve had a page from Tesco bank which will be an annual declaration of the loan that is personal away. We published back again to tesco together with your stat barred template and additionally they confirmed that the final re payment to your account ended up being and they have delivered statements every half a year and therefore they think the account continues to be enforceable, We penned right back plainly stating that the account is stat barred as no repayment or contact made but they have been insisting that since they delivered statements every six months they state that its maybe not stat barred, We asked for one last response page when I said im likely to escalate to fos and additionally they state their last reaction continues to be the exact same rather than changing it, any advice will be great.

Sara (Financial Obligation Camel) says

Have actually they ever delivered you a Default Notice?

Hi sara thank you to get back. Since far at all up to this point as i’m aware I never had any communication from them. The account was at standard on my credit history for 6 years but dropped down nearly a couple of years ago.

This is actually the last reaction from Tesco:

In light of this interaction we’ve sporadically issued towards the given information held on record, we’dn’t see your debt as unenforceable and would continue steadily to recover the monies owed, based on the contract finalized by you.

There’s been no payment or contact from me personally or because I’m aware from them, but as above they’ve been saying because they delivered statements occasionally so they really don’t see your debt as unenforceable, is this them simply completely ignoring the the limitation work?

Sara (Financial Obligation Camel) says

it seems like it in my experience. It is best to keep in touch with National Debtline in what to accomplish next.

I’ve had a financial obligation for more than 6 year now the initial company was shop direct a catalogue business. My account was defaulted with missed payments because of a psychological disease and we put up a repayment plan spending £1 four weeks after a few years we received letters informing me personally my financial obligation was at the fingers of a financial obligation business also to keep carefully the re payment plan going I experienced to modify re payment in their mind I became bombarded with letters and telephone calls that we ignored and kept the £1 per month re re payment going before long we received a page saying Lowell team had bought out and I also changed the £1 payment intend to them. And once again I happened to be bombarded with letters and calls that I ignored chances are they stopped contacting me personally years passed without any contact my credit rating ended up being marked red now six 12 months has passed away additionally the financial obligation is cleared from my credit history. Now the device telephone phone calls have begun once more and a pre appropriate evaluation page providing a 40% discount is here. We don’t understand what to accomplish can they simply simply take me personally to court or do they are contacted by me and attempt to produce a countertop offer to stay your debt.

Any advice could be a fantastic assistance.

Sara (Financial Obligation Camel) says

Whenever did you last make a payment to the? would you remember if Shop Direct ever delivered you a Default Notice?

My son has simply gotten a page from the dca, acting for the ongoing business that purchased the financial obligation from their bank, for a financial loan which was removed. he’s since move house a few times….and had no communication from anyone saying your debt happens to be offered etc. Would he want to spend /acknowledge the brand new company etc…..there is nothing showing in their credit history about any of it many thanks

Sara (Financial Obligation Camel) says

It may be statute barred. I would recommend he foretells National Debtline about their choices – 0808 808 4000. It, it is possible he may have to defend a court case if he ignores.

I’ve an 8 12 months debt that is old We haven’t made a re re re payment on for 7 years. I’m perhaps not being earnestly pursued because of it, nonetheless it sits to my credit history as ‘6 months late’ and appears to possess never ever been defaulted. I’m maybe maybe perhaps not able to create a payment…will there be any means of getting it down my file other than having to pay it in complete? Ethically I’d rather that is much it but i quick payday loans Vermont need to explore all options available to me personally.

Sara (Financial Obligation Camel) says

What type of financial obligation is this? Could it be still utilizing the lender that is original has it been offered to a financial obligation collector? whenever were you last contacted concerning this debt?

And it is this your debt that is only issue?

Sorry, extra detail – It’s a Halifax pupil account overdraft. We joined a payment plan using them but unfortunately destroyed my work, and so the last repayment. I’d updated these with my brand new address because initially I registered with my University target, but to my credit history it has the initial target on. We haven’t heard it is my only debt from them and yes.

Sara (Financial Obligation Camel) says

whenever had been the very first half a year later marker used?

after which from the time it shows for each thirty days until now.

Sara (Financial Obligation Camel) says

To help you ask Halifax to put in a default right back. your debt would then drop your credit record off instantly since the deafult would be a lot more than 6 years back.