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    • Should I go to see the CAB or something? I just don't think I have the strength or brain capacity to deal with all of this. The mess I have gotten myself into is bad enough and now this on top. My head hurts. What should I do?  It's all very horrible, I feel genuinely scared and stressed because of all this. I don't understand what is going on   I have raised a dispute with Santander to see if they have done something. I have just explained my situation, what is happening and that it all seems to have started when I told Santander I was struggling, had approached StepChange and transferred my direct debits etc to Starling. It was all going well with Starling, I actually really liked it, but now everything has just gone to !!!!!! and I feel sick to my stomach  
    • Hi All,   I was going to post an update after a month had passed since I sent my SN but didn't get around to it, after about two weeks I received a letter from Highview letting me know the opportunity to appeal had been missed, Shame, lol! .... Anyway, on Sat 13th (the 13th! Aaarggghh! 🤣) I received a Claim Form from DCB(L) .... seems they wish to pursue the matter through the courts! These people really are tiresome ....   Details to follow ....   (EDIT: just noticed this is the 13th post as well! .... not that I'm superstitious, lol! 😂)
    • I have just checked Experian too and there is nothing on there about CCJs or any other suspicious or adverse info that would impact me like this, other than my present situation of course.   Bankruptcy, CCJ or IVA This includes court judgments (CCJs), debt relief orders, bankruptcies, individual voluntary arrangements (IVAs) and other public records recorded against you. You have no public records. GAIN (Gone Away Information Network) Lenders use GAIN to tell each other about customers with unpaid debts. If in the past you’ve left unpaid debts when living at a previous address, you may appear on GAIN and so lenders may be less likely to give you credit. You have no GAIN records.
    • I think I might have had a CCJ but it was way longer than 7 years ago and I have been able to apply and get loans, credit cards etc. I have been pretty fine with my finances until now, until this mess I managed to get myself into this year   There is nothing showing on the TransUnion credit report about an old CCJ. Is there another place I can look to see if there was one and if so how long ago?  I have signed up to TransUnion and on there it says (in Search History):   ORGANISATION PURPOSE DATE Transunion Consumer Id Check (Ml)   Identity Check for Credit 15 Apr 2024   Nationwide Building Society (Sr,Tac,Ct,Cval,R) Nationwide Building Society Bav (Cval Ml) Anti-Money Laundering 11 Apr 2024   Monzo Bank (Cosmos, Cr, Sa, Ar, Ct Batch) Monzo Bank Limited 2 (Cosmos Ar) AF 10 Apr 2024   Monzo Bank (Cosmos, Cr, Sa, Ar, Ct Batch) Monzo Bank Limited 2 (Cosmos Cr Bsb) Quotation Search 10 April 2024 I think AF means a financial association with someone or something, but I have just read that that could be something as simple as sharing an address with someone (which I do).    Public Information Details of any Bankruptcies, Insolvencies or Court Judgments that are in your name in relation to settlements of money. Bankruptcies and Insolvencies You do not have any Bankruptcies or Insolvencies on your credit report. Judgments You do not have any Judgments on your credit report. There are no Cifas markers registered against you. You do not have any Notices of Correction on your credit report. Does any of this make sense? I don't mean the information I have provided above, I mean why I am being rejected by every bank I have applied for, except Monzo (so far) Every loan I have ever taken out has been paid and settled on time, I have never missed payments on things. The only things I have outstanding at the moment are the ones I listed at the start of this thread when I completed the budget planner. 
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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DCA's Coming Out of the Woodwork

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Hello everybody...


I'm a newby on here and would be interested to hear any thoughts on my story...

I'll precis it so as not to make it appear like War & Peace!


Back in January 2004 I emigrated to NZ leaving behind a couple of debts (like you do!)


For quite a while my folks were targeted with letters from creditors and later DCA's chasing payment.

(My folks address was registered as my last known UK address and I left no forwarding address in NZ).

These letters were simply returned or binned and I believe there were a couple of knocks on my folks door

seeking to speak with me. No info was divulged as to my whereabouts and I received no letters at all in New Zealand and no communication was entered into.


Eventually letters and callers ceased.


Last August (2012) I returned to the UK after over eight years away. I succesfully opened a bank account and was given a credit card which led me to believe that my credit file must have been pretty clear with no CCJs or Defaults showing.


Needless to say something must have flagged up because now I have received letters from both Lowell and Red (yes, I know they're the same outfit) demanding settlement of Barclaycard account which was originated back in 1982.


I can see from my credit file that Lowells did an un-recorded search in October last year (just after I opened the new bank account) and have finally discovered my present UK address - hence the letters.


Funny thing is, Lowells statement says "Opening Balance on 1st October 2008: £XXXX." I'm prepared to communicate with them using the letter templates, but I'm seeking advice as to whether to request the original signed agreement (which will be dated 1982) or whether to claim that this debt is statute barred?


And what has this magical date of 2008 got to do with anything? I was happily living in NZ at that time!


Any thoughts greatfully received.

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Hi ninja51, and welcome to CAG! :-)


If you have made no payments whatsoever on the account since 2004 it is definitely statute barred and Lowells are trying it on.


The date of 1st October 2008 may refer to the date Lowells took over the debt from Barclaycard.


You can either ignore all their letters confident in the knowledge that there is absolutely nothing they can do to obtain money from you, or write and tell them you are aware the alleged debt is statute barred and they must go away. I would do the latter and put a swift end to it.



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Cheers Spamheed...


I should have said, yes it was a straightforward unsecured credit card card default.

As I say, my credit file now shows no records of defaults or CCJs... perhaps there were some records back within the six year time frame.

I dunno... I didn't look!



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  • 2 weeks later...

Here's an update on the above story... please can anyone tell me if this is pretty standard practice.


I posted a recorded delivery letter to Red DCA that stipulated that the debt discussed in the above posts is SB (using the templates from this site).

I have not heard back from Red yet.


However, it seems odd to me that 1st Credit have now jumped on the bandwagon and I have received a "sniffing" letter saying that my address has been supplied

as a possible address "for their subject" and could I contact them to confirm whether or not I am who they are looking for.


Then it goes on to say that if no response is received to their letter, they will continue to hold my address and may issue further letters.


So... any advice as to what's my best plan for this ?


Cheers all.

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Dear oh dear...lowlifes up to their usual dirty tricks!


Ignore the letter for the time being, but you really do need to make a formal complaint to the OFT&TS regarding Lowlifes, in that they were informed of the state of the debt, and chose to pass it on instead.


Keep a diary of events regarding the future harassment..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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