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About Meadow_S

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  1. Thanks for your help. So that'll explain why they keep writing to my recently deceased grandmothers house. The plan is now for that house to be sold so that option will be taken away within six months subject to legal proceedings etc. Would you advise I write highlighting again that I am overseas with no address in the UK and the only address I have is in the USA? I did wonder about calling from my USA cell which would undoubtedly show up on their caller ID. I'd normally be adverse to this but it may make them realize this. I even copied my drivers license etc. in with
  2. So shall I ignore or write back saying this is not the original? (Obviously worded better than that). The reason I ask is because I mostly live overseas, I don't want this rearing it's head with court action and then it's more difficult for me to deal with. They do have my address in the USA but they refuse to write to me there.
  3. I know people are busy, just an idea would it be wise to send off a SARS request?
  4. The case with this old lloyds card debt resulted in them writing too to say they could not provide any information at this stage but the debt still remains.
  5. No, but it is a similar scenario. Please find attached PDF. The situation is that the card was taken out in 2000. I got into major financial difficulty in 2005 and entered into a DMP. I ceased payments end of 2013/ early 2014 as I didn't realize I was on a DMP but thought I was on an IVA. I sent a CCA request in 2016 (May I think). I got the usual BS, but didn't hear back from them until August 2016 saying they can't find it and I was still liable. The next I heard was this letter yesterday. My situation is that I reside in the USA, however, it is always a possib
  6. Oh and yes there was PPI on there too which for obvious reasons I have not pursued.
  7. Hi there I am guessing this is a common problem. Around 2 years ago, I received a threat from Cabrot regarding an £8k credit card from Halifax taken out in 2000 (I think - may have been 2001). I followed instructions and sent them a letter requesting a copy of the CCA and got the usual BS saying they couldn't find the file but I am still liable for the debt, the last I heard from them was August 2016. Anyhow, out of the blue. Yesterday, I received a letter from our beloved friends stating they had found said documents and they believe these were enforceable to obtain a CC
  8. The trouble is I'm not sure. My work visa expires in early 2018 and the way our industry is at present, I may not be able to get it renewed although who knows what will happen if Trump becomes president - lol. I just don't want to come back to find that I've got a CCJ against me and could do with/out the hassle of fighting a court case from this side of the water. Thanks - Meadow
  9. Great thank you. I'll deal with that later but it won't go out til tomorrow due to time difference. Would you advise I prove that I am living overseas or just leave as is?
  10. Hi Andy and thanks for getting back to me. I'm having problems sending my post so hopefully this goes through this time. I'm covering a night shift so may not be able to deal with this till later. I'm sure you can guess where I got that advice from which was why Mike advised coming here instead. Will having sent a CPR 31 out cause a problem and if so how do I deal with it? should I send out a CCA request to Cabrot now or do I await a response from them? Thanks
  11. Hi - I got advised to log my story on this site by MBaxter who I often work with in the states. He cant sing your praises highly enough. 1. I have an outstanding debt from a Lloyds C/C for just over 6k. I received a letter before action sent to a relatives house who I have registered for my mail. I do come back home every 3 months for about 10 days at a time and I am not sure whether I will stay here or not. I own no property or assetts in the UK, so they can't touch me there but I don't know whether I will return to the UK as the industry we work in is changing fast and ther
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