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  1. RBS got a DCA to chase me on a 12 year old debt but I kept ignoring the letters. It's now gone back to RBS and they've instructed Moorcroft. There's nothing on my credit file, probably due to the time scale. Do I just ignore them or issue a CCA straight away?
  2. Hi All, I have an old secured loan with Welcome for £7000.00. Since Welcome went bust I've not paid anything (perhaps the odd token payment) and have dodged various DCA's. 2 weeks ago the current DCA holding the account wrote to me to advise that they will no longer rely on the security in my property and will take steps to remove the security from the land registry. This seems like a really odd thing to do but I am highly suspicious? Could they be up to something? Anyone else heard of this? Many thanks, Limelight Bournemouth BTW The account has al
  3. Your good advice please. I received a letter from a DCA titled a’ pre-legal assessment’ on an old credit card debt that the DCA have recently acquired. I suspected this could be nearing SB I checked my credit file and discovered that there is no information about this account on my file prior to May this year! As they are are using the usual vague language i,e, ‘may’, 'being considered’, should I bother to respond to this or should I CCA them or other? Who’s responsibility is it to insure the information on a credit file is accurate and up to date? Would the OC r
  4. Hi..I'm a newbie here so thanks in advance for your help. I got into financial trouble in 2007 with an unsecured loan my ex husband got me into (it's in my sole name). I divorced my husband and missed payments on my loan. It went into default. Lloyds got Apex involved, I made an agreement and started paying £60pcm. Life moved on, the default timed out on my credit file, I moved house but carried on paying. I struggled financially and lowered my payment to £50pcm. 1 year after lowering my payment brings me to present day. Robinson Way have been calling me askin
  5. Hi all Had a letter from DCA saying they are the new owners of O2 debt and I need to pay them , They haven't provided much details except original company as O2 and the amount I owe and DCA internal.reference number What do I need to ask them so that I can be sure if the accounts belong to me or not , if I were to reach a stage I need to pay them ,I don't want to pay blindly without knowing if those are my accounts Please advise Thanks
  6. not even sure what this relates to but they have been trying for ages and not even sure if this belongs to me.....do I need to worry about it? edfenrgy_Redacted.pdf
  7. Hello I SAR'd VODAFONE for a debt that is on my credit file that i believe is not mine. I asked for SAR but they are asking for proof of my ID and address etc. I have only ever lived at one address, i told them that the credit file and the information they have put on the CRA's is the same as the address they are sending the SAR, but now the time has elapsed for them sending this to me. I don't want to send them any ID as I know they don't have my ID and won't send me any contract or nothing. There also sent it to a DCA, and I SAR'd them, they said its taking
  8. I also obtained this from them regarding a JD Williams account. It does not makes sense. Debt written off. No copy of contract, can't remove default as information was correct at the time but they can't send or have copies of nothing..? letter below including the reply from Exuifax, which tells me that the dca can't leave a default if it buys the debt? so something really wrong here.
  9. lowell dca help Im hoping for some advice on an old 5 year defauted overdraft debt that lowell purchased some years ago total £!2k. I had my home repossesed at the time and never gave my new address to either original lender or the dca. Ive never had any contact from either but im aware they can still apply for a ccj at the old address they hold. My dilemma is do i contact the dca with my new address and try to deal with it or hope it slips past six years. They have never credit checked me to get my new address. So really i want to know do they usually wait til
  10. Hello everyone. Im new here, so I hope I am in the right place. I really dont know where to begin. I was paying my credit card off at a reduced rate until around 3 years ago when my debt was sold to Cabot who more than doubled my payments. It was too much for me to afford with no job, recently divorced and a young family to support. So I defaulted. Other than one letter from Cabot asking me for full payment of my debt, I have not received any further payment requests nor notifications of home visits during this time. I have lived at the same address for 6 years. I am in Northe
  11. Hi All Last year i fired off CCA request's to the DCA that were handling my accounts. Not one managed to return a copy of the credit agreement, so I ceased payments as instructed on here. two of the DCA's have now 'passed' my account on to sister companies to recover the debt. My question is, do I have to go through the CCA process again to get rid of these guys too? I am also a little concerned that maybe the original DCA has received the original credit agreement and as the time has lapsed they cannot use it, but if they pass it on to a sister company
  12. Hi everyone Looking for some advice regarding debts my wife and I have. So a little history. We took on several credit cards and a catalogue account. I lost my job and was unable to make the minimum payments after racking up the debt. Debts were eventually passed on to DCAs. Here is a list of them with current amount owed: Cabot £1200 (Wife, originally HSBC - 2007) Moorcroft £1800 (Myself, originally HSBC - 2006) Capquest £2200 (Wife, originally Littlewoods - 2014) Debts have been through various other DCAs such as Fenton Cooper, Arrow Global etc. apart from the Li
  13. Hi All, I have been chased since 2007 on a Northern Rock mortgage shortfall from 2002. I have never admitted liability for said debt and I have never made a payment. Shoosmiths on behalf of Arrow are now saying that I made a payment in 2008 which re-sets the statute barred status that I told them it has. I have never ever made a payment, the only money that has been sent was to cover the cost of a SAR in late 2007. After 2007 everything went quiet until 2013, eventually when I wrote back and forth a few times the DCA said their "case was closed" on this matter. Roll f
  14. Firstly I do apologize if this is in the wrong place on the forum: My partner received a letter from Judges Demand demanding just under £2,000 for unpaid nursery fees dating back 4 years ago or there about's. Now when the letter landed on the doorstep enclosed with it was a "Contract" which printed was my partners name and previous address. Overleaf was a signature that they claim is my partners which is far from her signature used on things such as driving license. Within this said contract there was a term "If payments are more than a week late then entry will be refused unt
  15. Hi guys a little help needed if i may ask.. I was with Step Change for about 10yrs (maybe longer) not sure.. i have 7 DCA acounts.. 1 with Morecroft, 1 with Idem Capital Securities, 1 with fredrickson int, and 4 with cabot.. I can only remember that 1 debt is for a bank loan Lloyds, now with cabot, 1 was an over draft, Lloyds again.. cant remember who i'm paying that 1 to? and the others are for credit cards.. Because they are old, and i have really bad memory i can't remember who had what ACC? i've no address detals for any of these DCA's but i have th
  16. The driver has just received a letter from a solicitor regarding a traffic violation in Italy four years ago. All the information provided seems correct, i.e dates, type of car name and address of driver. At first we thought it was a [problem], this is now looking less likely but still possible. What is the best course of action? The requested amount is €300 from waters&gate
  17. Hi Just received my credit file and after getting into a bad financial situation I have a total of 19 defaults on my credit file!, 11 are due to drop of this year and 3 next year the rest are around 2022, for the latter do you think my credit file will improve If I pay them of so they are marked as satisfied? or should I just wait, none of them are chasing me for payment at the minute Just edited to add one is for a mobile phone debt that I was paying for 2 years at £35 per month, it says I owe £550.00 now
  18. Hi, Looking for some advice if possible My partner and i recently went through the process of trying to get a mortgage. After providing all our financial details to the Mortgage advisor his view was we would only qualify for a Mortgage with a high risk lender such as Kensington which I will not entertain. Reasons are: - My partner is in a debt management plan with Step Change, any reputable lender will be put off by this. - All but one of the debts in the plan are over 6 years old so do not show on her credit file - The only debt that is less than 6 years happens to be th
  19. In 2005 I paid (what I thought was) the final payment towards a mortgage shortfall arising from repossession and sale of a property. The mortgage was in joint names with my now ex wife. I argued with the DCA at the time that my wife was jointly liable despite her claim she could not afford to pay, and eventually agreed to pay 50% of the Lenders' shortfall amount. The DCA claimed to be acting on behalf of the Lender. They wrote and stated that the Lender was prepared to accept my 50% offer in full and final settlement of my liability to them. I paid the agreed amount
  20. Update on General data Protection Regulations due to hit in may 2018 There is a overt permission of Data Subject to consent to processing of data, so a CRA processing John Doe's data without him knowing could fall foul. Likewise a DCA. Full implications are not yet known http://www.idgconnect.com/blog-abstract/26688/what-gdpr http://www.idgconnect.com/blog-abstract/24273/gdpr-probably-won-decimate-businesses-leave-burned Discuss?
  21. Hello all. I'm hoping someone on here can help me. My partner received a letter from the land registry advising of a 3rd party wishing to apply to secure a debt on our property. After investigation this debt is from a shortfall in a repossessed property from 2002. My partner has no knowledge of this mortgage. The complication is her Ex Husband was declared bankrupt in 2006 and he owned a number of properties. We have asked for proof of this mortgage being in my partners name and the solicitors have sent us a photocopied mortgage application form with both my partners and her
  22. Good evening all, First time posting here and I'll try include everything in this message. I would really appreciate anyone's help on this matter. I sold an item on eBay and the buyer claimed back even though I sent proof of postage, it was a signed for service but I do not have their signature but tracking shows the item as being delivered. They didn't accept my case. PayPal didn't care as the initial case was with eBay. My PayPal account was in minus for a sum of £900 for around a month and a half, PayPal wouldn't listen to me just kept forcing me to pay even though I didn't
  23. Evening Peeps, newbie here. I used to be a member a long time ago and found the info on here very helpful. So thankyou ! I have now got a clean bill of health on my credit score, but still owe debts to various DCA's. My question is - can a DCA still try and issue a CCJ, even after say 8 years of the original default account ( notice of default has been isssued ) - my accounts have ALL dropped of the various CRA's as they all defaulted many years ago ( over six years ago ) - I am still paying them via a DMP. To summarise all debts are over 8 years old now. And I a
  24. Contravention date was the 12/3/2014 and I can barely remember at chichester college West Sussex , I’ve received a letter from zzps on behalf of Ethical parking management stating “notice of intended legal collections £150 debt unpaid” and they have given me 14 days. Contravention details: vehicle not parked in designated area. All I have is this letter, I was most likely issued a ticket at the time but I do not have it now and I have no other correspondence other than this. Am I really going to have to pay this? All tho blood out of a stone comes to mind.
  25. Hello Everyone, Not really sure how to start this so I'll plod on and hope it makes sense? A DCA has gone to a court case after an account (that has been in dispute) and where multiple dcas have been involved, now after the threats ONE has moved it to court! I've acknowledged service but now I want to help if I can. Seemingly the account has always been in dispute with the CC holder and the CC holder admitted things had gone wrong and would rectify but did nothing to recompense but instructed more dcas until it got to this stage. The defendent sent the dca the fir
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