OH receives DCA letters at new addrress after 2 years

[DebtDog]

Potted history....(way back when last on CAG, it did get a little confusing for those helping to follow so have started a new thread for clarity)

 

We ran into some difficulties.

 

The difficulties led to LTSB and DCA threats so

 

we contacted Payplan March 2008 to try and arrange IVA.

 

Following Payplan advice, minimum payments of £token gestures made while IVA hearing was held.

 

In June 2008 LTSB were declining all IVA applications and ours was no different.

 

We contacted LTSB verbally direct and were told this was the case.

 

Assistance to get DCA's off our back was made and we were repeatedly told that LTSB CDR

would be in touch but nothing in the way of assistance was ever offered.

 

We stopped paying.

Several house moves,

several CCA letters,

several "I am baffled you are chasing this as account in is dispute letters" were sent through into 2012.

 

We moved house again in June 2012 and all as been quiet until

 

Mar '14 when OH received the below sent to new address.

http://i969.photobucket.com/albums/ae179/DebtDog/DCACQ/CQ1BCC.jpg

 

We ignored it, thinking "phishing" given the name of the company.

 

April '14 and OH receives another (below)

 

http://i969.photobucket.com/albums/ae179/DebtDog/DCACQ/CQ2BCC.jpg

 

Also in April (dealt with on another thread),

 

WE receive letter from LTSB asking if we would like to reclaim PPI and

 

2 days later this same DCA chasing the same account that LTSB were asking about PPI for, at our previous address (prior to June 2012)

 

Can a DCA possibly be stupid enough to chase the same person at two separate addresses

and claim they have checked where you live???

 

So......does she send "Account In Dispute" or re CCA this CCA?

 

Thoughts please?

[dx100uk]

pers i'd be stopping the letter tennis

 

what does the credit file say?

 

dx

[DebtDog]

Hi dx100uk,

 

Thank you for your prompt reply. As we had already used up OH's free access to CRA some years ago now, we are having to wait until pay day (tomorrow) to access it again. We have not been playing letter tennis for a couple of years (almost) since we moved.

[dx100uk]

noddle is free

 

use that

 

dx

[DebtDog]

haven't heard of that??? will try and look now

[DebtDog]

OK, Noddle is showing DCA but nothing history wise prior to September'13 for this particular account.It is showing a very old address too and not our current one. We have moved twice since the address on the report.

Date next to DCA is 2/4/14

[DebtDog]

I have opened OH noddle account using our last address not the current one by the way.

[dx100uk]

default date?

 

dx

[DebtDog]

11/2008 but as previously stated we have not paid anything since June 2008 at the latest when the IVA application was refused.

[dx100uk]

then that about right then

 

its within 6mts

 

crappybot are just collecting they can do nowt

 

its also a discount letter

so their 'client' knows there something wrong with the debt

 

 

pers

unless your get an SD or a claimform

id be ignoring any letters now

 

dx

[DebtDog]

Forgive my ignorance dx, lso? SD?....I assume claim form is something from a Court.

 

Previous DCA's claiming to act for LTSB never responded properly to CCA so I assume they cannot find agreement.

 

LTSB also found reasons not to send SAR from us both when it was requested a while back

which I guess would have clarified all the account paperwork

so perhaps they were concerned with our CC's as well as PPI on Loan at the time.

 

Your advice has always been excellent in the past and I thank you for it.

 

I assume that we can still CCA to stop any action that follows the last letter?

 

Presumably this CCA request is permitted by any Court after action is commenced by DCA a

s we would seen to be gathering evidence in order to form best defence/reply?

 

We have never received any notification from LTSB that they have sold the debt.

[dx100uk]

edited my post

keyboard battery is dying.

 

who is crapbot client then?

 

the name of the dca on the cra listing of the debt?

 

dx

[DebtDog]

CC account is LTSB and the Noddle shows CQ DCA as the new owner.Letters from DCA linked above.

Other account ("Odd Reply From DCA" thread) is the same DCA. Also previously LTSB.

[DebtDog]

We shall ignore letter for now then and leave you in peace until next letter....many thanks.

Off to grab some sleep now. Back tomorrow.

 

 

Best Regards

 

DD and OH

[DebtDog]

Latest letter received from them is here

Just more threats or do we start letter tennis?

 

I am wondering, having had the briefest look at the Practice Direction online if now would not be the time to CCA them in order to see just what they had? I admit I have not read it all. Never in fact heard of this before so this is a new one on me.

 

Are they suggesting as I read their letter than if my OH does not contact them in some shape or form that they might win any Court proceedings by default as OH has ignored all of their attempts of contact?

[DebtDog]

Note: They say that they are not aware of dispute.

 

CCA was originally sent to Apex on 28/4/10 and Account in Dispute Letter was issued to Apex on 20/5/10.

 

Another bottom feeder Moorcroft was advised that account was in Dispute on 30/12/10 and they went back to sleep..

 

I've just been routing through old letters and noticed something suspicious on OH's previous received letters too.

 

In March 2010 OH received a letter showing a balance of £1 more that current DCA is asking for in 2014.

 

Someone has paid the £1 CCA fee into the account????

 

Looks like that to me.

 

sure as eggs are eggs wasn't us that paid that £1 in.

[dx100uk]

yea weve heard of the before !!

[DebtDog]

Hi dx...

 

So...do we CCA or SAR CQ? Find out a) do they have the necessary paperwork, b) who naughtily used the £1 to credit the account when it was clearly given as a fee, c) advise them that account is STILL in default?

 

Or...despite the letter above, do we ignore still?

 

Haviing just read through the whole of the Practice Direction _ Pre Action Conduct, Annexe B my guess is we should do something or is this another sweat tactic by DCA who seems to be very polite about things nowadays after they got their butts kicked by the authorities?

[dx100uk]

they are saying they own the debt

 

have you had the notice of assignment from them & Lloyds?

 

dx

[dx100uk]

yes I see you have had intimation they have brought it in letter one

but no NOA strange.

 

if this is a bank account

 

you cant CCA sadly

 

dx

[DebtDog]

We had a letter saying they had purchased it as above (which I see you have seen).

We have had no notification from LTSB stating so.

 

It isn't a BA...it's a CC.

 

We have CCA'd Apex in the past who said they would request from LTSB back in 2010.

 

We then Issued Default letter to Apex.

 

Next we heard Moorcroft who were notified of default with the template

"I cannot believe that you have got this when in default", blah blah vexed and harrassed letter.

 

They went quiet.

 

We have never had satisfaction from original CCA to Apex.

[DebtDog]

Whenever we have moved house, we have always had mail redirect for 2 years so know we have not missed anything.

 

We do know that LTSB still send things like PPI advice letters to previous address as we had those.

 

This DCA chasing this CC is the same one chasing OH for another LTSB account which they claim to have bought

but at our previous address which they claim to have verified as correct address!!

 

That one is in my "strange reply" thread.

 

Best Regards

 

DD

[DebtDog]

Just looked at OH's Noodle...

 

..does sound funny that but you know what I mean DX as you were the one that told us about Noodle.

 

....Here's strange..

 

..re the £1 thing.

 

Noodle states opening balance is £1 more than DCA is chasing.

 

Does that mean THEY paid the mysterious £1?

[dx100uk]

dunno but its not right.

 

you could CCA Cabot.

 

that migt then, by the time they sell it on

 

place you in the SB window?

 

as the default will removed the account from the CRa file in NOv is it?

dx

[DebtDog]

DCA isn't cabot, is CQ...

.you are reading too many threads too fast again dear DX....hehehe.

 

...DCA here is Crappy Q as per last letter scanned in tonight.

 

If I am correct and in order to comply with CCA request,

they have to supply ALL statements dating right back through the history of the account, detailing all payments,

 

I am fairly sure that the last payment OH or I made personally on any of our accounts was June 2008.

 

This would mean, IF I am correct and IF they DO have to supply all statements as well as true copy of agreement,

then we may engage in a bit of a letter scrap over who paid what when and prove it.