NEW user here wanting help please

[gust]

I recently applied for a card.

 

I gave my current address and my previous address.

 

I have a default on one CRA file from an even older address so I would like to know if the credit check would see this default? as it isnt at the 2 addresses i gave on my application.

 

How would this work?

 

thanks

[wigan89]

I recently applied for a card.

 

I gave my current address and my previous address.

 

I have a default on one CRA file from an even older address so I would like to know if the credit check would see this default? as it isnt at the 2 addresses i gave on my application.

 

How would this work?

 

thanks

 

Hi,

 

Yes they will see the default regardless of what address it was registered at, if it's on your file then they will find it unfortunately.

[gust]

cheers

 

so why do they ask for previous address if they are going to see all info anyways?

 

Its for a luma card - so hopefully one default wont hurt.

[wigan89]

I think it depends on the company with regards to how they use your previous address, sometimes it's just added security for them to see if you're telling the truth in your application and you have entered the correct data.

 

Sometimes people get rejected credit because of defaults or missed payments - whereas some people might get rejected because the information they have entered in their application form might not match the information the credit agencies have on you.

 

Maybe someone can give you a better answer but that's just the way i see it.

[gust]

Hi all,

 

Equidebt have been chasing me for a stat barred debt last payed in march 2006.

 

I recently wrote pointing out its stat barred and i wont be offering any payment ever.

 

I now have a letter from Credit Ancillary Services. Reads as below.

 

CAS is a specialist assessment and recoveries subsidiary of equidebt. We specialise in assessing your credit file and various public sector data sources to determine whether legal action is an appropriate form of recovery. We are taking this action because:

 

* you appear to be either ignoring our contact attempts or refusing to discuss repayment terms.

* you have left equidebt with no other choice to escalate to CAS.

 

we will use publically held data to determine what happens next. If you have funds available then you need to call us now to make an arrangement, if you dont have funds available call us to discuss what options are available to you.

 

if we dont hear from you within 14 days our assessment process will lead us to:

 

** pass your account to field agents to call at your home

** litigation action - our solicitors will make an application to try to obtain a county court judgment against you. If granted then equidebt caan apply to the courts to take further enforcement action.

 

litigation action may have serious consequences for you. If equidebt commence proceedings against you, you should seek independent advise about what this could mean for you and any assets you hold such as property. MAKE AN OFFER AND YOU CAN STOP THIS.

 

make an offer of payment: any plan that is agreed and honoured will prevent actions taken against you. you can pay as much or as little as you can realistically afford, just call 08002585673 now and agree repayment.

 

 

 

What idiots!!! it is STAT BARRED.

 

shall i point out to these retards that it is stat barred too? concidering CAS is Equipratts then they should know this already?

 

How shall i proceed?

 

thanks

[havinastella]

I'd ignore it!

[BRIGADIER2JCS]

Send the statute barred letter again with the header ''FINAL RESPONSE''.

[dx100uk]

and leave the stamp off!!

 

dx

[citizenB]

and leave the stamp off!!

 

dx

 

Not a wise move, I think this final letter should be sent at the very least via Free proof of posting so OP has evidence the letter has been sent.. The post office wont give PoP if there is no stamp.

[BRIGADIER2JCS]

Get proof of posting at very least, but RD is better for this letter.!!

[oleg]

Equidebt can do nothing to you (other than get up your nose somewhat). Why then waste money on RD? Proof of posting is more than adequate. I wouldn't even waste money on a stamp, I'd email them. But if you want a belt and braces approach, you could post a letter and email it too.

[gust]

Hi

 

crapquest seem to be interested in collecting my mates doorstep. I have found the letter to send to crapquest directly but cant seem to find the letter to pass through the door to the a-hole who is knocking. My mate is at work alot and they will no doubt hassle his other half if he isnt in and scare her half to death.

 

can some one help me with a decent letter for passing through the door to these idiots? or point me to the right place?

 

many thanks

[Stigman]

http://www.consumeractiongroup.co.uk/forum/content.php?410-LETTER-USED-WHEN-A-DCA-THREATENS-A-DOORSTEP-VISIT

[gust]

thanks

 

so just give them the one previous sent to them? as it appears to read the same?

 

ta

[Stigman]

Yes, but as most DCA employee's are unable or have not yet reached the required IQ to be able to read - just hand it and ask them to go to a responsible adult to read it out and explain it to them!

 

Stigman

[Bazooka Boo]

Also if someone does feel the need to trespass on private property and have the audacity to discuss financial matters on the doorstep, take their photograph.

[2Grumpy]

If there is no-one vulnerable at home and you can handle it, why not ignore the letter and have the satisfaction of telling whoever turns up (and most likely they won't) that they have 5 seconds before you release the dogs (then get the second photo)

 

I do like the photo idea - they won't like that, but it's your property. They also won't like their id being taken off them while you telephone to verify its authenticity - especially if it's all sticky when they get it back and generally being treated as a criminal before being sent away with nothing being discussed

[Jam_Buttie]

Dear Person.

 

To save you wasting money on fuel to come to my house, I have enclosed a colour photograph of my doorstep so you can see if you have it in your collection or not.

 

I am unable to find the model number as Percy is sat on it and I don't like to disturb him..

 

Yours lovingly.

 

Doorstep Owner

 

[KaptRoger]

ROFLBSATT!

 

(rolling on floor laughing but strangely able to type)

[gust]

Hi

 

lets say a DCA buys a debt of a bank, say in 2007, sits on it and does nothing for a year then decides to contact the debtor.

Then debtor sends them a CCA request under CCA1974 (not CCA06) and then the DCA fail that and cobble up some cacky recon nearly another year later.

 

Can these DCA's really pursue collection without firstly having the CCA true copy in their possession? as from my example above that would mean they have "owned" the debt for about 2 years without the actual paperwork.

 

Can they do this or is it breaking some guideline or ruling?

 

all help welcome

[BRIGADIER2JCS]

Basically yes if a ''reconstituted'' agreement fulfils the necessary requirments it can be used to satsify a section 77/78 request under CCA 1974.

 

I t would not be the DCA putting the recon together it would be the original creditor from their records of the Ts &Cs etc.

[gust]

do they have to have agreement before they pursue i mean. or just bug people with out sign of it

 

i thought recon was not good enough pre 2006 also

[BRIGADIER2JCS]

As said a recon can statisfy a sections 77/78 request under CCA1974 a copy of the original agreement could be needed to enforece a pre

April 2007 agreement.

[gust]

thanks Brig

 

sorry to confuse - but no matter what (recon or true copy or whatever) do they have to have the agreements in their possession to start bothering people. or is it acceptable for them to do this without having the paperwork first - is my main concern

 

cheers mate

[BRIGADIER2JCS]

A DCA is unlikely to have either the original or a recon when they aquire a debt.