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Riggers0162

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  1. The letter was addressed correctly to My current address, sorry probably not explained correctly. They have my current address. Does that change anything?
  2. Two addresses since Iva nearly 9 years ago. Last contact with them will have been through Iva. I haven’t made any contact with them.
  3. Please see attached 2023-11-29 Capquest old Santaner OD-Card passed to Opos.pdf
  4. Thanks, It was included in a failed IVA so I need to check when the last IVA payment was but this I’m sure it’s over 6 years ago!
  5. Hi, It’s been a while hope everybody is well! all letters stopped for over 4 years! Another has now arrived. I received a letter from Capquest saying the legal ownership of your account (Notice of Assignment) has been passed to Opos. Opos are texting and calling and sending letter offering discount etc etc. Debt is over 6 years old (originally with Santander) can I just send the statue barred letter and be done with it. I’ve not done or sent anything to them yet. many thanks
  6. Hi, they are not aware of my new address. sorry I didn’t explain. I moved house nearly a year ago so latest letter has been re-directed to my new address. They currently don’t have my new address? I take it I should update them as Previously recommended. thanks x
  7. I see yes thanks, mail is currently being redirected so I better update my address. I suppose I can just ignore the financial details request update my address continue paying and wait for the next move. If I receive anything more serious I could then request the CCA? thanks x
  8. Great thanks, just not sure if I should send the CCA or just continue paying and ignore it’s a difficult one and can’t really see anybody with a similar case and timescale as mine. I suppose I have to make a decision just don’t want to open a can of worms! thanks x PS they also have my old address I didn’t update when I moved this year should I given them an updated address or not?
  9. Thanks Andy hope you are well? I remember you were a great help in the past. did you mean “I would” Or “ “I wouldn’t” reply to financial questionnaire. many thanks x
  10. Hi All, Hopefully this is posted in the correct place? It’s been over 5 years since I received such fantastic help from you all with a number of debts I had for which I will always be great full for. I managed to clear a Leeds and Holbeck shortfall, various issues Cabot and Egg to name but a few. I managed to clear my credit file and finally get back on the property ladder. So thanks again. I have moved on and have have been living a stress “ish” free life with the Majority of worries left behind. Now this is entirely my fault but yesterday I received a letter from Dryden Fairfax solicitors asking me to update my financial details. (The only one I never really dealt with) The history of this is as follows. Initially contacted back in 2015 for an outstanding Mbna and Hsbc credit card and loan that had been passed to Max Recovery. Then passed to Dryden. At the time I was new to this and stepchange were helping me and advised me to send an email in to all creditors “acknowledging” the debts and offering them a £1 a month token payment which I did. I received an acceptance From max recovery stating I must pay £1 a month Until my circumstances changed. I have continued to pay this for the last 8 years with little if any contact. Other than statements. Nothing has ever appeared on my credit file. I never sent a CCA request. And just continued the payments and forgot about them. Which you could say was just burying my head in the sand! I don’t know if any thing has changed but ideally I want to put this to bed if I can I have since moved on and I’m in a better place both financially and mentally and I’m now panicking again! So my questions are as follows. Can I still send a CCA request even after all this time despite the fact I sent an email “acknowledging” the debt and the fact I’ve been making payments? Should i update the financial questionnaire or ignore again? Idea ideas how to proceed now I’m in the position? Any help will be much appreciated once again. X
  11. Hi, It’s been a while but not been a great time for me recently and still fighting a number of battles however. I can confirm the following update. LBS 3 months ago accepted £7,000 to release me from my liability on the mortage shortfall. True to their word they sent me a letter and an email confirming I am no longer lliable. “Thank you for your payment of £7,000.00, which was received by the Society on 7th March 2018 and has been credited to your account. “ i am pleased to confirm that your liability to the Society has now been settled and the credit reference agencies have been updated with this information. As previously advised In order to provide assurances to you that you will not be approached at a future date for any remaining balance, I confirm that we have undertaken an internal process which splits the account between both parties and the balance apportioned to you now reflects the settlement payment received and shows zero balance” My credit files now shows this as settled. It’s been a struggle with LBS but one think I can say is they have been fantastic throughout, very understanding and have always kept to their word I thank you all again for the help and advice and hopefully I will have updates on some others soon, it’s the smaller ones that seem to be the nightmares.
  12. Hi Andyorch This was an overdraft from a joint Lloyd’s account. An account that wasn’t closed after the divorce. Many thanks
  13. Many thanks, I’ve read through the post and can see the issue however if Cabot agree to close the whole account based on my £250 offer would that not then be ok? Christ it’s just so confusing
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