Yeah, thanks.

Thanks. managed to get my address updated at 3 of the 4 creditors. Nationwide still refusing to update my address unless I call and confirm my identity so still working on that. But now Moorcroft (one of the Link-owned ones) has sent a letter saying "we have asked out local representative to call at your home *REP. NAME AND I.D. NUMBER* to attempt to call on *DATE*" the idea of the visit will be to assist you in making contact with head office" etc etc. I didn't think they still did this. are they just threatening to get me to call? Have you heard of this actually happening recently? Thanks.

UPDATE: Nationwide have written back stating: "Change of address - further action required - we're unable to change your details and update of address as we cannot locate you from the information provided...please call us on..." Apparently they can't locate me from the old Credit Card Number I sent. Maybe write again this time, and include old address and the Zinc reference number? Thanks

Sent letters as detailed above. UPDATE: Letter received at new address from MoorCroft in regards to "MBNA account owned by LINK", (looks like they are dealing with one of the link accounts) saying: "We have a personal matter with the above named person and have been informed this is their new address. If you are this person please call us on xxxxxxxx, also if you are not this person it is important you call us at this number also so we can update our records". Just ignore until a LBA/LOC is received? Thanks.

Yup never told any of them so far. Yeah the Zinc letter does actually say Nationwide just checked.

Capquest and the 2 Link ones. Think the Zinc one must still be owned by Nationwide then so will write them (letter is from zinc but in Credit Report still says Nationwide), ty.

Hi again is this letter format OK for each of the 4 companies?: To: Zinc Credit Management 4 Elm Court Stratford Upon Avon CV37 6PA Dear Sir/Madam: RE: [CREDIT CARD NUMBER / REF HERE / ORIGINAL OWNER ETC] This letter serves solely as an update of the postal address on this account, to: { my Current address Here} “MY NAME HERE”

OK Thanks for now

Interesting! Thanks! I will definitely keep in touch here. Will that letter I am sending them about address restart the 6 years again, or is that only if you speak about/admit the debt? Ty

Thanks: MBNA - Link Fin. 10k (2017 - default 2021) Last Payment: ~4 months before default - Have not contacted them since, received phone calls, odd letter. Lloyds Bank - Link Fin. 5k (2016 - default 2021) Last Payment: ~4 months before default - Have not contacted them since, received phone calls, odd letter. Virgin - Arrow 11k (2016 - default 2021) LAst Payment: ~4 months before default - Was passed to Drydens, who sent LBA. Replied with medical issues, on Universal Credit, £4 spare per month. They advised send doctors stamped letter for them to consider write off, I said it will cost me £20, they said account closed with them, and future correspondence to CapQuest. Not heard from CapQuest yet. Nationwide - Zinc? 8k (2015 - default 2021) Last Payment: ~4 months before default - Have not contacted them since, received phone calls, odd letter. Have CreditKarma and Money Supermarket apps. Currently at new address and getting Royal Mail forwarding. Problem is Forwarding runs out in February (think I'm in its 4th year) and worried if any LBA/CCJ arrives will miss it so don't know whether to contact the other ones or not w/ new address/balance write off request. Thanks again.

Hi all, Not sure if this should be in Legal forum, 10k debt defaulted around 2021, virgin credit card Arrow global, got passed to drydensfairfax. Got LBA around mid 2022. Sent back Income and Outgoings, on universal credit, advised around £4 per month spare, and that have health issues and not worked since around 2020 advising should just write the debt off (had been in hospital for 4 months and suffered nerve damage in back and legs). They come back and said: to consider balance write off please provide doctors letter stating how health issues affects you on daily basis. Advised will try and get doctors appointment. Took months and months to get one as GPs is terrible. Finally got docs to agree to a letter last month, advising will be £20. Advised Drydens (have been keeping in contact with them every 2 weeks since the LBA) of the cost and that I can hardly afford, said if I muster it together then what is the actual likelihood of it being accepted as balance write off as I don't want to waste that much, they emailed back a few days later: "Please note this account is closed with ourselves" And that "any future correspondence should be sent to: [and gave CapQuest physical address]" And that was it. Not sure whether I should contact them first. Bit worried as still technically at LBA level? Haven't received anything from CapQuest at all (been about a month). Is this an assignment over to them? Unsure of what to do. (Have 3 other defaults which I have not contacted since defaulting, but no LBAs/much else from them. Total 35k cc, looked into the DRO but advice center said it's over 30k so can't do anything about that at all). Not sure if I should contact all and go down the doctor's letter route and try and get it written off...