After getting a positive result last week in the court as to one of my past credit indiscretions, another pops up.

At the time i used my brothers business mailing address as i was Sofa Surfing. I had put the account into dispute with the original creditor. This was in 2009

In april last year i received a letter from a well know DCA phishing at my home address, i ignored it.

I have just received another letter by a another well known DCA

saying that they were given my new contact home address as they could not contact me at the mailing address.

They then ask if i am not the named person to contact them so they can update their records (Phishing exercise)

It is obvious DCA 1 has asked DCA 2 to collect on their behalf

This debt relates to a well known finance company who specialised in ripping off sub prime clients with APR and fees and is of a considerable some

This account becomes statute barred in september, another 8 months

Any advice will be welcomed as the last thing i am going to do is phone them

Difficult to give specific advice unless you give more specific details, not least name names. We know most creditor / purchaser / DCA behaviours. Without background information we're simply guessing.

Don't imagine using a different address will help you. It won't. The owner can get a CCJ at the last address you gave the creditor whether you live there or not.

You don't need to respond to fishing. No point.

My question is to fending off until it becomes statute barred in eight months

This is not debt evasion as that **** bag finance company ripped me off in every conceivable way knowing my financial circumstances. They have had more then there fair share pound of flesh off me

Ignore and move on till something substantial comes in

The info in the first post shows that the new dca is on a phishing trip. Ignore it.

Update

Received another letter today from the DCA collecting on behalf of the original DCA. That being Robinson way. In the same envelope from Robinson way was a letter from the original DCA saying it has been passed to an external DCA (Robinson way) and that I am to negotiate affordable and a sustainable repayment plan

Who are Robinson way??

Another silly DCA with no legal powers. I mean come on. bad debt being passed around. Now youve got a dca collecting on behalf of a dca etc etc.

Just sit and wait if it get tricky then send off a CCA request if it was for a loan/cc/HP in the mean time watch out for the oldest trick in the book, which is for the DCA to issue against you at the LAST CONFIRMED address they had for you, therefore getting a CCJ by default

RW are part of Hoist Group.

its simply to make you think it is going up a chain of command

or getting more serious or moving toward litigation.

the original DCa will be part of the same group.

all they've done id passed it to the next bloke at the next desk

in a diff coloured skirt

he has put a diff letterhead in the same printer.

dx

Another begging letter from Robbers Way saying the debt to their client (Another well known DCA) remains unpaid

These are not what I call threatening in nature, quite the opposite

They say the account remains unpaid and that they will bend over backwards to help me clear it.

This alleged debt becomes statute barred in six months and I suspect all they want is a nice friendly chat, and get me to acknowledge the debt as well no doubt.

Should I return this latest bit of spiel to Robbers Way saying not at this address??

That is true as I am moving Monday to Ireland.

This will time out for the next six months in them trying to trace me or should I leave well alone?

Your best just ignoring them, i have ignored 1st Credit now for 7 years, Even now they still write to me now and again, I know it has been Statute Barred now for 2 years nearly, but the odd letter doesn't bother me

Personally, if they were going to take any real action, it would have happened a long time ago

Edit.

Duplicate posting. Deleted.

Notice of assignment only sent in Feb. Usual procedure is of course persuasion first, litigation or give up second, so it's early days, even if s b not far off.

CWK is remarkably keen not to name orig creditor although those who know Hoist's behaviours shouldn't have too much trouble identifying it anyway.

I wouldn't respond to anything from rw at this stage . . . as long as someone is able to keep an eye on mail, just in case they attempt CCJ by default.

Quick update

I have been ignoring a debt from Capquest that is quite large. I have been receiving letters from Robbersway saying they are acting for their client Capquest.

My brother took over my phone line when i moved and now Robbers way are phoning him asking for me, he never returns any messages as he had them chase him in the past. Only way they could have got that number will be experian when i did that 30 day trial. Only 5 people were aware of my home number.

Checking my Credit file this mornng the account through Capquest has been marked as settled, though still default status.

Have they sold it to Robbersway??

Last point, this debt becomes statute barred in four months and off my credit file in 9 months

prob sold to the hoist group then

that would tally with the settled marked from cabot

dx

Do you think that will be Robbersway then ??

How are robbers way with litigation, i only have 4 months left to statute barred

as mentioned earlier in the thread robberway are hoist

dx

Thanks DX, one last question and i will leave you alone

Are Hoist/Robbers way quick to litigate

I only have to hang on for another four months

Will they be aware it is almost statute barred?

We really cant say if they quick to litigate or not, CQ. You say it is a large amount, in which case they might not leave it too long to make contact.

They have been sending letters and phone to my old address for the last three months, but no response to them as my brother now lives there, we are talking 10 k

i am trying to hold out for the next four months then it is statute barred

Are they still in default of your CCA request ?

I never made one, never once responded to Cabot, or Robbers way in any way, either by phone or post

I would be tempted to ignore unless/ until you receive a letter before action, saying we WILL issue

on such and such a date

at which point I would then send a CCA request

Many thanks