pettersuk

Just a quick update on this, another letter from them; still going with ignore from now on or needs further attention given? Reply to complaint.pdf

Thanks for the quick response dx, but that would mean more letters incoming from them. My aim is to help the person in cause stop them letters completely due over panicking. I was looking at the option of set aside, but no where to find records from a case that old... no other way to proceed regarding ?

Quick update, the person in cause received a response, and apparently was a CCJ dated from 2016... That means she still have to pay or ? Lowell - debt not SBd - re 2016 CCJ.pdf

quick update, what to do exactly even if after you sent them the SB letter they still contact you? Start the complaining procedures ?

Sorry, can you please let me know if this type of letter will be ok?

I've just sent you a message, can you let me know please if I missed something, or that should do the job?

can i have some help writing correctly the sb letter/email back to them? this is their original email: Subject: 30% discount offer 10/02/2025 Dear MXxxxx 30% discount offer We want to help you clear your account quickly and pay less. If you contact us by 24/02/2025 and agree to partially settle this account in 12 months, we'll give you a 30% discount. This means you'll pay £xxxx to partially settle your account. Our discount offer allows you to pay less than is due under your original agreement (there's more information about this on the right side of this letter), so if any of these debts are being reported to the Credit Reference Agencies then, when the discounted balance has been paid in full, they would be marked as 'partially satisfied' on your credit file for up to 6 years. This may impact your credit score and ability to obtain credit in the future. If you pay by instalments, the discount is applied upon receipt of your final instalment. Get in touch Call 0333 556 5700 by 24/02/2025 to take up this offer. You’ll pay £xxxxx to settle your account. If you don’t pay the discounted balance within 12 months of accepting the offer, the discount offer may be withdrawn and the full outstanding balance will then be due. If you can’t clear your account in 12 months, contact us for other options, or set up a payment plan on ourapp or website.

Clearscore: You don't have any bankruptcies, CCJs or IVAs from the last 6 years, on your credit report Credit Karma: Public information Details of any bankruptcies, insolvencies or court judgments provided by TransUnion. BANKRUPTCIES No bankruptcies or insolvencies JUDGMENTS No court judgments - The amount they specified doesn't even show in any of the records on clearscore or creditkarma. So even if they persist with emails should I just ignore, can't tell them to stop buggin off the person in cause? as he's stressed about them showing up at the door etc LE: They even start sending to the person in cause phone messages about the fact that they can offer a 30% discount on the actual debt.

Hi, one of my relatives has received an email from lowell with a payment request from a debt from the original company: Provident Personal Credit Limited This apparently is from over 9/10 years ago, should he reply to the email from them telling them to bug off, statute barred, not acknowledge the debt and tell them to stop further contact or risk to report them to FCA or FOS or just delete and move over? Thank you.

Thanks for clarifying. What I meant is if they skip the PAPLOC step, can that be added to the reasons for requesting a claim dismissal in court? From what you’re saying, if the claim is statute-barred (SB) by the time the claim form is issued, the appropriate action is to file an SB defence, correct? Just trying to make sure I fully understand the process.

+ can be added to the reasons to request straight dismissal, correct?

Hi all, As we all know a PCN debt typically becomes unenforceable after 6 years from the date of the first notice they sent out. Now, let's assume that date is 25 February 2025; if they haven't sent a Letter of Claim by today, that means I'm on the winning side? as I need 30 days to reply to that letter and by the time I end up in court will be way over the 6 years period, correct ?

Hi all, some probably know about the cancer and reproductive harm p65 warnings from some products, now from my point of view I don't really know where to look at or what type of answer I'm looking for. As example, we've got a water filter that got this warning on it, automatically that means contains one of this chemicals (most probably thru the filter) now looking thru the chemical list, it goes miles, inclusively household appliances etc... Now, how safe that will be? Will cause worries or it's one of them warnings that need to be and pretty much that's it? As to be true if we had that law and requirement in U.K. I bet will be on pretty much anything...

Can you help on this one, as I'm sure for the mis-sold part it's a clear win on my case, was my first car finance, young enough to be happy to sign quickly without reading any fine print or trying to understand why I ended up paying more then the car value at the end of it.

Hi, currently into a mis-sold car finance pre-claim (over a few years ago) I will use the term 'them' - as the solicitors As I had a few questions to them, prior to I actually sign something that may cost me money or not depending of the results of the claim, they said it's a no win no fee, but I can easily read thru the docs that even if it's a no win, i may be responsible of some charges and if it's a win, still may be responsible of other charges, un less the claim actually cover the fees appointed by them. Any suggestions in how to proceed, normally I would upload the document, but cannot due data protection... Any particular parts I should be careful about or to pay extra attention? Or just if anyone dealt with this in the past? some positive/negative stories?