Thanks dx ,I think more and more that these dca's are chancers who prey on people's lack of knowledge and their resulting fear and worries I'll see what they send next thank you

Happy New Year all I received a couple of responses from Dryden in last few days after returning my letter of claim questionnaire plus cca request. First my cca request letter was returned along with postal order along with a handwritten post it note stating "these have been returned as they are no longer required" They've written "drydens" on postal order so I'm guessing I can't get my pound back. Then I had another response a day or two later stating they'd "received my letter the contents of which have been noted" and that my “account” has been placed on a temporary hold "while we contact our client with the details of your query" ...(so I'm guessing that will be the office or room next door /upstairs then "We will inform you of the outcome as soon as we receive a response from our client" So does this look like I won't be provided with a copy of the cca within the time limit ? Can they still take you to court without providing it? Thanks

Got it thank you

Thanks dx do you mean take my time replying or just be vigilant of the 30 day time limit for reply? Thanks

Received a letter of claim yesterday from Dryden which I’ve uploaded (I think) Apologies as I struggle a bit taking it all in but after reading round and if I have it right; I follow post 2 and do a cca request +p.o. ,print the reply form tick box d, (what do I put as reason,insufficient information received?) then box i and add the request for further info I need. interesting that their start and current balance say I’ve paid a lot less than I did and also they’ve confirmed this debt was assigned in ‘19 but on cred file says ‘21 as default date even though not been paid since ‘19 thanks for any advice 2023-12-07 Drydens Vanquis card PAPLOC.pdf

You I received a letter Tuesday from capquest re. vanquis credit card debt informing me the account would now be dealt with by dryden solicitors. Received a threatening letter the following day from Dryden telling me if I don’t contact them and pay the full amount by today or agree to a repayment plan (and I may be offered a big discount to settle my account!) they’ll wait ‘til Thursday then issue me with a letter of claim “on behalf of our client” and the full balance will remain due. It also says to “please note any part payments made will reduce the balance but will not prevent further action” I’ve previously had no contact with either of these (or are they same company?) The last time I paid this was 2019 Any advice appreciated thank you Sylvia

No was definitely Cabot (Aqua)saw his badge ...resolvecall came yesterday got same treatment door shut in face They’re for the vanquis one ,vanquis still not replied to sar request in a month of receiving it.

Had a visit from Cabot employee yesterday. Asked my name so asked who he was ,told me he was from Cabot and he “just wanted to have a word with me” i shook my head at him pointed for him to leave which he did. Also my sar was received by vanquis nearly 4 weeks ago,not had any reply of any sort as of yet.

Ok thanks dx I’ll send one

Only thing I’ve found from Vanquis is a letter from Oct ‘17 accepting my offer of £1 per month and I remember now I did a CPA with my debit card. That went on ‘til 2019 when my card must have changed so stopped their payment. I don’t recall vanquis sending a letter of assignment or anything (but they may have and I’ve misplaced it/binned it) On my credit file it’s listed as arrow global and date of default as July ‘21 .(all the debts are listed as dca’s not the original companies) ive never paid nor had any contact with anyone from Arrow or their other companies,never sent a sar or cca as I say, last payment made on this was October ‘19 direct to vanquis by CPA

thanks dx. I can’t find one from vanquis but I found this from Arrow (if pdf has worked) . I’ve also found about 8 letters from them from before march 2021 (the states default date on my credit file) Also in the last year or so they sent a letter saying ‘here is info I should have received but didn’t ‘, that was basically just copies of old letters from ‘19 onwards ResolveCall’s mind trick attempt with their name didn’t work I didn’t call or resolve anything 2019-10-28 Arrows NOA.pdf

Thanks dx. The vanquis one is listed as being Arrow (though I only hear from capquest or resolvecall) and for some reason is only listed as default date 2021 which is strange as I’ve not paid it since ‘19 Others are Feb 18 Cabot , Oct ‘17 pra grp, intrum Nov ‘17

No they’re all showing on my credit file I think some were listed as being from ‘17 too

Thanks dx Yes I vaguely remember s’change didn’t want to talk about enforceability when I questioned something ,but it all gets like a big overwhelming blur of info and worry when these companies are on your back. Didn’t know that info about them all makes sense now. So the only power they now have is to harass me through postage or the power to walk up my path and be told where to go , that’s a relief. Does statute barred date go from any last payment made or when it went to £1 pm? At least one of them hasn’t been paid since ‘19 so that’s one bonus in a lot of mistakes I’ve made. Thank you

Thanks so much for the reply dx No I haven’t moved address since long before these debts. So I should cancel the Barclaycard standing order they’re still taking?(they sold debt over 2yrs ago and I’ve ignored pra group ) have blocked any emails and they don’t have phone no. so I’ll follow your advice I’ll file all their mail and be vigilant for any paploc letter. it was step change who advised me to do £1 pmonth back in 17/18. It helps knowing they don’t have any /much power thank you Sylvia