Sara (Financial Obligation Camel) says

Santander loan – you’ve been making repayments to this therefore it won’t ever be stature banned. It drops off your credit record they can go to court for a CCJ if you stop paying when. When it falls down your credit score it will not any longer influence your credit rating.

Halifax – it is correct that the Halifax debt will still show but it should show a balance of zero if they have sold this to Link. What type of financial obligation ended up being this – loan, charge card overdraft?

Hi sara I’ve had a page from Tesco bank which can be a annual declaration of the loan that is personal away. We had written back again to tesco together with your stat barred template and so they confirmed that the final re re re payment into the account had been and they own sent statements every six months and therefore they think the account continues to be enforceable, We penned straight back obviously stating that the account is stat barred as no repayment or contact made but these are generally insisting that simply because they delivered statements every half a year they state that its maybe not stat barred, We asked for one last reaction page when I stated im likely to escalate to fos plus they state their last reaction continues to be the same and never changing it, any advice is great.

Sara (Financial Obligation Camel) says

Have actually they ever delivered you a Default Notice?

Hi sara thank you to get right straight straight back. payday loans Illinois Because 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 24 months ago.

This is basically the last reaction from Tesco:

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

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

Sara (Financial Obligation Camel) says

it appears like it if you ask me. You are suggested by me keep in touch with National Debtline by what to complete next.

I’ve had a financial obligation for over 6 12 months now the company that is original 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 ВЈ1 30 days before long we received letters informing me personally my financial obligation was at the arms of the financial obligation company and also to keep carefully the re re payment plan going I’d to modify re re re re payment in their mind I became bombarded with letters and telephone calls that I ignored and kept the ВЈ1 every month re re payment going before long we received a page saying Lowell team had bought out and I also changed the ВЈ1 payment intend to them. And once again I became bombarded with letters and telephone calls that I ignored chances are they stopped calling me personally years passed without any contact my credit history had been marked red now six has passed and the debt has been cleared from my credit score year. Now the telephone telephone telephone calls have begun once more and a pre assessment that is legal supplying a 40% discount is here. We don’t understand what to complete can they simply just simply take me personally to court or do I contact them and attempt to make a countertop offer to stay your debt.

Any advice could be a fantastic assistance.

Sara (Debt Camel) says

Whenever did a payment last be made by you to the? Do you really remember if Shop Direct ever delivered you a Default Notice?

My son has simply gotten a page from a dca, acting for the business that purchased the financial obligation from their bank, for a financial loan that has been applied for. he’s since move house a few times….and had no correspondence from anyone saying your debt was offered etc. Would he have to spend /acknowledge the brand new company etc…..there is nothing showing in his credit report about this many thanks

Sara (Financial Obligation Camel) says

It might be statute barred. It is suggested he foretells National Debtline about their choices – 0808 808 4000. If he ignores it, you are able he might need to protect a court instance.

We have an 8 year debt that is old We have actuallyn’t produced re re payment on for 7 years. I’m perhaps maybe perhaps not being earnestly pursued it sits on my credit file as ‘6 months late’ and looks to have never been defaulted for it, but. I’m perhaps maybe not able to make a payment…will there be any way to get it down my file other than spending it in complete? Ethically I’d rather that is much it but i need to explore all choices ready to accept me personally.

Sara (Financial Obligation Camel) says

What type of financial obligation is this? Can it be nevertheless with all the initial loan provider or has it been offered up to a financial obligation collector? whenever had been you last contacted relating to this financial obligation?

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, therefore the payment that is last. I experienced updated these with my brand brand new address since initially I opted with my University target, but back at my credit report this has the address that is original. We have actuallyn’t heard it is my only debt from them and yes.

Sara (Financial Obligation Camel) says

whenever ended up being the very first six months later marker used?

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

Sara (Financial Obligation Camel) says

In order to ask Halifax to put in a default straight back. your debt would then drop down your personal credit record straight away due to the fact deafult will be a lot more than 6 years back.