Sounds like a plan!

Ok, I’ll keep looking for any reference to account / dates and if I can find this and it’s over 6 years then I will send SB letter. Thanks

No idea, would a prove it give me more details?

Morning, I’ve checked through old paper work and I can’t actually find reference to the debt? I’m confused. Never had an overdraft or card? But did have a bank account. I cannot 100% confirm its statue barred however I’m still looking into this. Would I therefore be better to ask for more info on the debt through a “prove it letter” or not? Is is better to look further into this myself. Issue is if it is over 6 years ago I will have very little info, nothing ever showed on credit file no letters nothing? No paper left in house from divorce? many thanks

The letter was addressed correctly to My current address, sorry probably not explained correctly. They have my current address. Does that change anything?

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.

Please see attached 2023-11-29 Capquest old Santaner OD-Card passed to Opos.pdf

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!

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

Ok thanks, will stop paying open a can of worms and to rattle their cage?

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

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

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?

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

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