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please help, nearly statute barred recieved first letter in 5 years


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hi, please could someone give me advice

 

i have received a letter from buchanan clark &wells about a loan i thought was long gone.

 

originally i had a loan with hsbc but after trying to claim back my bank charges they closed my account.

 

i asked them how i can repay my loan they said it had been sold on but couldn't tell me who to.

 

5 and a half years have passed since i last made a payment and hadn't had any requests for payment.

was really looking forward to 6 year point

but now i have received 2 letters

1 asking if this is my address (i have moved home) and another requesting payment.

i haven't made any contact.

 

my 6 year point is october

but i move abroad in april so they wont find me.

 

any advice would be appreciated im worried that while im away they will obain a ccj.

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hi, please could someone give me advice

 

i have recieved a letter from buchanan clark &wells about a loan i thought was long gone. originally i had a loan with hsbc but after trying to claim back my bank charges they closed my account. i asked them how i can repay my loan they said it had been sold on but couldn't tell me who to. 5 and a half years have passed since i last made a payment and hadn't had any requests for payment. was really looking forward to 6 year point but now i have recieved 2 letters 1 asking if this is my address (i have moved home) and another requesting payment. i haven't made any contact. my 6 year point is october but i move abroad in april so they wont find me.

 

any advice would be appreciated im worried that while im away they will obain a ccj.

Hi Happy New Year and Welcome to CAG..

I would check your credit reference files before taking

any action, then you can be sure of all the dates.

It seems that you are getting all mail forwarded to your

new address correct??

Once you get your credit report then I would send

the ''prove it'' letter from the CAG library as from what

you you have not received a notice of assignment

of the debt to BCW regarding the transfer from HSBC.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Are you permanently resident abroad now

if so I will move your thread to the overseas

forum?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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The OPs account it seems has been

totally dormant for 5 1/2 years.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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ignore!!

 

what they gonna do

send a SD to outer mongolia

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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hi happy new year and thanks for your response

 

i got my report about a year ago the date of default was a month after my last payment, im still in england at the moment but i am moving in april its only untill start of 2013 but should be safe by then. BCW letter says they have been asked on behalf of Activ kapital. i moved not long after my last payment i have lived here for nearly 5 years and this is the first contact. do you think i should send the prove it letter now or wait for more letters and stall for time? can they obtain a ccj without giving me a writen warning first?

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No CCJ without warning but it seems far

from this at the moment, check those credit

files asap, do nothing until you get them.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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You say 5 1/2 years since last payment. Have you claimed charges since then as that would also be seen as acknowledging the debt and would extend the SB date.

 

Is that correct? Not doubting you but I would have thought reclaiming charges would be a separate issue as you’re not acknowledging any outstanding amount only reclaiming back the unlawful amount that should never have been applied in the first place.

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It's a technicallity if you ''ASKED''

for information on reclaiming charges

and that is all no restart.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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i got my report today and it has really confused me, it says i only have 3 accounts all with the same company 2 of which are setteled. this is true but i have a lot more thats not on, there are at least 4 or 5 defaults this is saying no defaults, i went through callcreditcheck with creditscorematters.com. will experian and all the others be exactly the same as this?

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will experian and all the others be exactly the same as this?

 

Don't think so, I'd check them all, well the major one's.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Im thinking I should just ignoring them, i've been reading other peoples threads and from what I understand these companies buy old debts and write in hope of a response, and if you ignore their letters they sell it on again. Is that right? I only need to hold them off till april.

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I find personally that Callcredit is wrong more

time than right, and out of date.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Im thinking I should just ignoring them, i've been reading other peoples threads and from what I understand these companies buy old debts and write in hope of a response, and if you ignore their letters they sell it on again. Is that right? I only need to hold them off till april.

 

yep phishing list

 

ignore

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I'll agree with you, Brig.

 

Out of curiosity, and for no other reason, I sent for my files from Experian, Equifax, and Call Credit, over the Christmas and New Year period.

 

I've never seen a credit file before, and I knew in advance that there wouldn't be anything on them, except for my personal data.

 

That proved to be true, except that Call Credit have listed my 5 bank accounts, [i have six], and they have included the last four digits of the plastic cards that, supposedly, go with them.

 

Only one of the cards has a number that I recognise - the rest are meaningless rubbish - they aren't even old card numbers, that have been replaced.

 

Which does make me wonder, how many other peoples' files are innacurate?

All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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Hi, Professionally and personally I don't use Call Credit,

Experian and Equifax are fine most Equifax has be a excellent,

Experian as mid level good, same info???????

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Yes basically they will be out to get all they

can, and wont like be challenged but so what,

they have to do these things properly.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Interesting as I wonder if this was ever properly assigned?

 

If you account was closed (your bank had a 'flounce' because you asked for charges) then I'll bet they did not follow through correctly, not only that but the effectively cut themselves off from receiving payment and sold it illegally! :wink:

 

I'd send the 'prove it' letter then a CCA the the DCA and SAR to the bank, then you will know what they have as ammunition, normally I do this as slow as possible as the SB clock is running, but as your moving why take the risk....

Andrew

 

Escaped the DCA nightmare, now helping others start businesses

www.ukleakdetection.co.uk

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im worried that after i have moved they will get a ccj against me and i would know nothing till its too late. do you think i should phone them just before i move saying im sick of getting these letters i dont know this person he doesn't live here. no known address no ccj.

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Never, Never phone these people, they will

try to spoof you into giving more info than

you originally intended to give.

Get your post sent else where if you can.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Interesting as I wonder if this was ever properly assigned?

 

If you account was closed (your bank had a 'flounce' because you asked for charges) then I'll bet they did not follow through correctly, not only that but the effectively cut themselves off from receiving payment and sold it illegally! :wink:

 

I'd send the 'prove it' letter then a CCA the the DCA and SAR to the bank, then you will know what they have as ammunition, normally I do this as slow as possible as the SB clock is running, but as your moving why take the risk....

 

 

that word keeps cropping up again

 

there is nothing illegal about it its not a criminal.........

 

unlawful maybe...

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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