Did you get this sorted out? 

I had the same situation happen few days ago with a doorstep stooge upset my wife when I was out . 

Many thanks dx100uk, 

The slight problem is I have binned any and all letters from capquest and these new resovlecall, 

The only one I have is the hand delivered paper saying they visited and urgent attention ..

Should I send the letter to these or just wait and see if I receive another from capquest,, 

Bit annoyed with these people visiting my house and upsetting my wife, i dont feel I would be polite if they came back.

Hi! 

Resolve Call & A Statue Barred Debt! - Debt Collection Agencies - Consumer Action Group

I have just had exactly the same situation occur,  I got home on friday to my wife telling me a man with a ID badge on a string around his neck banged on our front door and after she told him I was not home and closed the door, he proceeded to write a paper out and post through our front door,,  

I had a letter from a debt company about 2 weeks ago telling me they have either passed on the debt or have instructed resolve? 

I cant remeber the company as I threw it straight in the bin, I am sure they are referring to a debt from 2006 which has well gone past any kind of hope they can expect to get anything from myself ,, 

could anyone please direct me in the direction of which letter i send them , ie statuary barred ,, also when i do the letter should i put my name on it or just the ref number and also do i sign it or just leave it, 

I really am pretty disgusted these people (who seemed to be bully boy according to my wife) have the cheek to visit me for a debt from 16 years ago,, well 10 years stature barred,,

Any advise most welcome

thank you !

Just to add after reading another post I remember the original debt was for a credit card from american express that capquest had obtained, 

I never had any kind of CC and no communication with anyone for 16 years ,, any letters which have come to me have gone straight into the bin, I guess i should send a letter and get it finished with ,, 

Yes understood and thank you once agan for your help here,

merry christmas indeed

Thanks again Brigadier2jcs! you have once again helped me out of a bind!

I am all clear on the credit file soon then, and i guessed it wasnt right that they could default me a year later!, I doubt i will write to anyone as its only feb 2013 now and i wil have nothing on my credit file,

does this mean i could then apply for a mortgage or would there still be records on the banks i had problems with computers?

cheers

Since it will drop off next February anyway, it's probably not worth worrying about. You could write to the creditor and ask them to amend the date but it's likely to be gone before they get around to it, if they agree. If they didn't agree you would have to go to the ICO, which would take at least a couple of months.

This really is a most helpful site, thanks very much for your swift responce, i really appreciate it, and i also thought pretty much the same thing as feb i will be clear, only thing now i wonder if i will ever be able to apply for credit again with any of the old creditors that lent me money before? as one day who knows,

Many thanks for your help

Hi all,

i had quite a few defaults on debts to my name but they have all dropped off my credit history now and no ccj's

apart from one cahoot bank account overdraught which was 2600 pounds,

it has a non payment in the feb if 2006,

then goes in number form up to 6 from 1-6 months,

then it contuines showing number 6 until feb 2007 when it then shows a D

so even though i defaulted in feb 2006 it only shows a Default 1 year later!

I also noticed a few searches by debt companys,

is this normal to have a default listed a year later?

as i am now nearly 7 years past any defaults and was hoping to get my life in order but it seems i stiill cannot as this one still showing, how odd

any advise

thanks

WOW that is like a great weight lifted from my shoulders Brigadier.

Thank you ever so much you are a top gentleman

sorry meant to say should i send letter now or wait until someone contacts me?

thanks again

OK it is SB would you like me to draft a letter for you?

Well thank you very much for the offer, as it is i intend to now give my new address to my 1 and only bank that i use.

So should any sharks come after me, should i send letter now then or do you think i should write now?

thank you ever so much Brigadier you are a great relief

many thanks brigadier

Exact date "Default Date 27/04/2006" and having re read my credit file the setteled was in oct 2007 not 2006!?

So it is the time i wrote to my lenders in feb 2006 explaining i couldn't pay which was my last contact,, meaning that its statue barred from then not april 2006 when the default was put onto my account.....

And i no longer should worry about the collectors?

I have more then 1 debt but they were all written to in feb 2006 as i had a breakdown lost my job etc etc

thank you for taking the time to reply

Thanks for the reply,

So the last time i made contact with my lender all that time ago should be my only concern, my debt that was with egg credit card i wrote a letter to then in feb 2006 explaining my difficultys and i was not in a position to pay then anything,

they defaulted me in april 2006 after they put 1 2 D on my credit file, then in may it has a settled on the account?

i know nothing about it, i buried my head in the sand and surfaced only recently to check my file as i would like to restart my life,

then it says i have a default to lowells in october ?

So is the complete thing now statue barred or is the default with lowells still enforceable as that was not placed until oct 2006?

many thanks

If you look at your file it will say what date the default is registered and what date it will be reported until.

Well this is certainly not the case with my report, None show a date it will be reported till?

So the debt where i have 1 2 D is where i have not paid 3 times the 3rd being the default but i have a credit card that shows its been settled then a firm called lowell? have me down as 4 4 4 4 4 4 for about six months before defaulting me, i have no idea who they are and can only guess they brought this debt,,

so does the default start from the FIRST non payment or the first Default that i have received on the file as for some reason my credit history is showing that the debts only defaulted in october when in fact i stopped paying in feb and sent a letter to who ever i owed saying i was not in a position to pay anyone,,

so no contact since feb 2006 but defaults start in october 2006

i am confused

I managed to get a copy of my credit report yesterday,

pretty awful sight

well i have a few defaults on my file dating back to 2006, the only thing is that i had written to my lenders back in feb 2006 and told them i wouldnt be able to make payments,

so on my file i have had a couple of yellow payments missed, then it goes red with 3, 4 4 4 4 4 4 D so they have a red number 4 for months before it goes to default?

Does this mean they will stay on my file until the D date which is actually 6 months after i wrote to them back in 2006.. my last communication with them...

I was hoping to start fresh now but the my file still has some long time defaults not removed yet.

Also looks like a company brought a debt off the bank and have also done the red 3 4 4 4 thing, so the default is well after the actual date it was defaulted..

i hardly want to write to any of the company's concerned as i will in now way acknowledge the debts and i do not want to remind them...

advice please

No they took £1 and got a lot of information, it was £2 for online instant access, NON of which i received, http://www.equifax.co.uk/Products/credit/statutory-report.html

There has been a £1 taken out of my balance in my bank account and i have not spent £1 anywhere so it can only have been taken by these people,

all part of there tricks i believe

Just to update , I decided to do the £2 online equifax credit check, i then gave them much information along with debit card number for payment that is registered to my address,

Then after a load more nosey parker questions I was unable to log in so i called the number, i was then put through to a call centre in the PHIippines!

A lot of security questions later was then told i needed to send them id proof? what a load of old coblers , they just got as much info as they could, then got me to call them ,

Bloody venus fly trap if you ask me as i am non the wiser as they would not give me any info but got a load of info from me!

These people are disgusting and really do not deserve to have any info on anyone, i am fuming and angry they would not give me my details,

Also they took just £1 off my debit card which i think was a fishing tatic to see that the account was live and to get my info from that.

Can anyone tell me a way to find out if i have any CCJ against me as that is all i am worried about, i couldn't care less about the creditors from 6 years past now

Cheers

Veery wise words Martin3030

thanks once again

May I just add, that if i was to now check my c ref file, if there was no longer any information there, then i can consider myself a free man ?

the dca may hound me but i can tell them to bog off!

My problem is if any have cc judge me then i would then have alerted them to my whereabouts!

It is very disturbing to know that the CRAs are without doubt in Cohorts with the debt collection industry,whichever way you want to look at it.

But this is nothing new to us,we have known for a long time.

To be offering daily alerts to changes on a credit file is staggering.

By virtue of the offering of this service in the first place,it has to be beneficial to both the CRA and the Client.

Yes it is very disturbing especially in my case, I feel as if the "eye " is there waiting for my next move,

How on earth they are allowed to do this is beyond me......

For sure they come out of it ahead otherwise as you say they would not offer it in the first place

Thanks very much

After reading the link it seems impossible for me checking it without dca getting my details so i will just have to continue as i am ,,,,

Thanks for your help.

Thank you ever so much Bigadier2jcs and thank you ever so much Martin3030

Am looking at the link now!

Ok so the dca will not get wind that i have checked my files but would the c ref agencys not update my address to the new one, basically then allowing anyone to see that new address?

Thanks for your swift replys by the way !

Thanks once again Bigadier2jcs,

you are very quick with your replys! thanks!

So i understand that i would need to use address with registered debit card, So you are basically saying that the debt collector types will then get a flag with my new address as i have now given it to the credit ref agencys,

correct?

Thanks

Thank you BRIGADIER2JCS,

Is there a way that i could get someone else to check it for me? Any advice there?

Or what about if i can use an old address, would that address then be put into the credit ref agency database?

I just dont want to make it any easier for the debt collectors as they were very bad years ago

, they even called my father, i dont know how they got hold of his ex-dir phone number and tricked him into thinking some thing was wrong thats why they contacted him about myself, Then they sent numerous letters after they knew he would be able to contact me, it went on for a very long time......

Also personal reasons i would not like others to know about my debts that are now statue barred,

So may i ask should i manage somehow to get the 3 credit ref would it then save the address i use to make the application?

In other words other people an companys would be able to find me from making that credit check?

thanks again

I had a lot of adverse credit back in 2005 but my defaults i guess started in 2006 as thats the date i stopped paying/couldnt pay.

I have been hounded for years but in the last 3 years i have kept moving around, i have not heard from any credit agency for some time,

Is there a way i can check my credit file without having to give my current address?

I am led to believe that if i check my own file/files i would like to check all 3, that there will be a new address updated on the file if i check it using that address,

Also i do not know if any of my debts were taken to cc, so i really need to find out without giving my new address away....

I had serious problems back in the day and am now over comming them and would ideally like to put the debts behind me and restart,

quite a few quid owed on numerous cards and a unsecured loan was not paid as i lost my job and made redundant just as the "boom" finished

Any advice welcomed and thanks in advance