once they fail to respond in 12+2 working days.

dx

Hi dx,

Well, I sent the cca off and got a letter back acknowledging receipt.

Thing is, they say they'll have to get a response from Sainsbury's.

that would indicate to me that they do not own the loan & therefore cannot expect any monies from me.

Family visiting at the mo, so can't upload.

Got their receipt letter dated 02/08/17, so Tye clock is ticking.

H

Hi dx,

You may remember that I told you that I had sent a CCA request to MDR & had failed to get a response in the statutory time. As a result I had stopped payment into the Abbey accouts they claimed to be managing.

Yesterday I got the following email from them, to which I responded as below.

Dear MR Blah blah

Our system shows that we have not received the latest instalment on your repayment plan. Please call our offices as soon as possible on 0161 475 2887, or contact us via our website http://www.mdrl.co.uk to discuss your account.

Alternatively to make a payment using our automated payment line please call 0161 475 2949.

Visit Our Website

Payment Hotline

0161 475 2887

Moorcroft Group.

Dear Sir/Madam,

You will note that I sent a CCA request to you, and received no response.

I therefore stopped payments to the account.

You were given the statutory time, 12 +2 days from the request, to respond. You failed to provide me with the details requested, hence payment stopped.

Yours attentively,

What do you think I should do now?

I am considering restarting the £5pcm to Abbey so that I can never be accused of not at least trying to address the issues.

H

no cca = no pay

you do not need to write reminding anyone

Hi dx,

Well, as expected, capquest have failed to respond to the cca I sent them.

I have now told them that any and all mail from them will be shredded unopened.

I have maintained the payments (£5pcm) to Sainsbury's, as I have to the other creditors.

Should I now stop payments to Sainsbury's, as I did to Abbey?

no you don't respond to a failed CCA request

stop entering into pointless letter tennis!!

No CCA no pay, STOP all payments, otherwise they will continue mugging you off and laughing at you.

Hi dx & bazooka,

Moorcroft have sent me an email, (cos that's the only way I'll contact them), which says they are no longer responsible for the debt and all correspondence has been returned to the OC.

Capquest have failed the CCA request, so I'm not conversing with them any more, although that would only be by email as well.

I'm going to stop all the payments tomorrow.

I expect I'll get letters, but I'm unsure because the debts are well over 6 years old.

I've already stopped the payments to Abbey & heard nothing though.

H

so more accounts removed from the DCA milking parlour good

There were only 2. Capquest for Sainsburys and moorcroft for Abbey

I've been paying the rest at £5pcm

They will all stop tomorrow

H

Hi dx

Thank you for your help. I have stopped Payment to the debt accounts I have.

I have, however, been phoned by Robinson Way asking for personal details.

I have blocked the number and sent them an email telling them that I will only communicate with them by email, that they are specifically barred from coming to my residence, and that any written communication from them will be shredded unopened.

Given that the debts are well over 6 years old, Can I safely ignore them?

H

well you've been paying within 6yrs so its not statute barred

what debt were they chasing?

please stop sending pointless emails or letters without asking here first!!

Every single time you send a pointless email or letter you dangle a carrot for them.

And with a few weeks until Christmas, you put yourself on top of their list, then wonder why they are harassing you demanding money.

Ok ok! So I’m a dummy for responding.

I just didn’t want them turning up on my doorstep. Especially since it’s no mine!

They got nothing from me though, but I’ll not respond to them ever again.

So. Now a 6 year wait!

I thought Tempus Fugit. Seems not! Ah well.

Hope you’re all well.

doesn't matter if they turn up at your doorstep

THEY ARE NOT BAILIFFS

tell them to leave or you'll call police 101

what debt were they chasing?

They never got the chance to say.

I didn't tell them anything and when they asked for my data, (DoB etc), I told them no and cut the call off.

I just don't want to have the embarrassment of having information about my finances blurted out to all & sundry.

They didn't get the chance to tell me.

As soon as thy said who they were and asked for information about me, I cut them off.

H

I just don't want to have the embarrassment of having information about my finances blurted out to all & sundry.

That isn't going to happen, there is a little thing called DATA PROTECTION, personal finances are nothing to get embarrassed about.

Hi,

I’ve just had a text from Robinson Way asking me to call them on a freephone No. ive no intention of doing so, but clearly someone wants to increase pressure on me. I guess it’s because they’re commission led and Xmas is coming!

Still, they can’t have what I haven’t got, can they!

I’ve got no intention of contacting them anyway.

I’ve also had more mail from capquest concerning the loan I had from Sainsbury’s Bank. They failed a cca so they’ll get nowt from me.

Added to that they committed only to contact me by email.

I shredded it as I said I would!

Just as an aside, now I’ve stopped the payments, am I liable to get lots more of this crap?

H

yep, that's the way they treat old cash cow mugs

hoping you'll give in again

and fall for their hollow threats.

Well I hit 65 next year, so their chances of getting anything from me are, to say the least, zero.

Still, my partner is v sensitive about debt cos one of her children is in so much debt.

My concern therefore, while I have been at pains to keep this under wraps, is that if she is bothered by or sees mail from dca’s, she’ll have a less than satisfactory view of my abilities to manage my finances. Puts me in the same light as her, estranged, child.

Not a scenario I particularly relish.

So what I really need to know, is how much written diarrhoea I’m liable to get in the near future.

H

Incidentally, I’m just managing at the moment. Still looking for work too!

sadly its all dca's can do they are powerless

Hi Dx

I’m sure you’re right, it’s just a pain having to use subterfuge with someone I care deeply about.

I’ve got a few premium bonds. Just a few. Lets hope they come up!

I could do with getting this out of the way.

Just a thought, but now I’ve stopped paying, and since I’ll be 65 next year, is there any chance I’ll get taken to Court?

H

age makes no odds

without paperwork they wont go anywhere near a court room door

Ok.

Still, if my income is just the oap & a v small pension, they can go swivel. Can’t get blood from a stone!

Have a good evening.

H

Hi dx,

I've stopped paying and I have got a letter from wescot.

It's for a Santander debt of some £3200.

Is it likely that Santander will go to court to recover the funds?

Come to that, are any of the others likely to, since I'm ignoring letters from collectors?

Also, how does the new GDPR alter the way my creditors use my data?

Is it possible that they can't give my data to the dca's?

In August I will be 65 and have little or no income to speak of, other than the pension, which is all swallowed up in accommodation and bills.

My car is 20 years old, and I have no other real assets.

H