I had a loan with mini credit in 2012 and defaulted on the loan. I recently read a thread that if the NOA was given after 29/12/2014 that the loan is unenforceable. I had my NOA via email on the 21/01/2015.
Does this mean that I can write to Opus for them to remove the debt from my credit file?
Also I read that I can quote sec 136 of the Law of property Act 1925 but I fail to see how it relates to the CCA?
Does this mean that I can write to Opus for them to remove the debt from my credit file?
Also I read that I can quote sec 136 of the Law of property Act 1925 but I fail to see how it relates to the CCA?