Barclaycard debt - no CCA - Do I CCA again? being passed around

[andyb78]

Sorry for the radio silence as it were. I have been waiting to hear back from Shoosmith's for a few days.

 

I received a letter from Shoosmith today which asks me to complete an affordability form

and that they are working for Arrow to help me put together a payment plan.

 

 

Also, if I felt compelled to, they would offer me a heavy discount on the outstanding balance if I was to pay in full.

 

I will have time tonight to upload the letter I was supposed to have done a few days ago from Arrow about proof of address etc.

 

Would you guys like to see the Shoo's letter too?

 

Thanks.

[dx100uk]

discount letter

 

 

no need

 

 

dx

[andyb78]

Hi dx

 

Thanks for the reply.

 

When you say discount, do you mean ignore both party's?

 

I guess that I am back to square one again with Arrow,

 

they have no CCA so know they cannot prove the debt.

 

Do I need to fire off the CCA failure letter or just ignore them both?

 

Thanks again.

[dx100uk]

we don't ever recommend chasing a failed CCa request

 

let them sweat

 

never invite unnecessary letter tennis

 

dx

[andyb78]

Ok, understood.

 

I will wait and see what turns up next. Fingers crossed it might be another 18months of silence as before.

 

Once again, thanks to everyone for advice, I really got worried about the context of the first Shoo's letter and court action. I guess it goes to show that they will stop at nothing to try and force your hand!

[Bazooka Boo]

I really got worried about the context of the first Shoo's letter and court action. I guess it goes to show that they will stop at nothing to try and force your hand!

 

This is exactly what they do, they prey on the debtors lack of knowledge and exploit it, just by using big words and using legal this legal that, when in actual fact, there is nothing legal about the computer generated missives they spit out on a regular cycle to intimidate and threaten the uninformed debtor.

[andyb78]

I received another letter from Shoo's today asking for my income and expenditure so we can agree a payment plan. Do you think this will escalate again or they are just going through the motions?

[dx100uk]

so they've sent you an enforceable cca?

 

 

dx

[Bazooka Boo]

Why would you even consider sending them an I&E list?

 

Especially if it's one of their 'back of the fag packet' lists.

[andyb78]

Fair point dx and understood.

[andyb78]

Resurrecting an old thread here!

 

Received another letter from Shoos as before, stating court action if I don't agree to a reduced full and final settlement.

 

Shall I just send a letter with copies of the letters I sent back in 2015 to Arrow and Shoos stating that I do not know of the debt and do not acknowledge it.

 

I asked for CCA's from both before and nothing materialised.

 

Should add, I stopped paying all of my creditors back in May 2013, so technically, that should make this statute barred now by three months. If I go statute barred route, is that putting my hands up to it?

[dx100uk]

so you are in Scotland?

[andyb78]

No, South East?

[dx100uk]

then why do you say it is statute barred?

[andyb78]

Sorry, my error, maths is terrible! Lol

 

Ignoring the statute bit for another few months, how should I proceed? Big bold writing tempting 50% offer, then smaller text paragraph at the bottom stating that Arrow MAY proceed to a CCJ. They gave me 6 weeks to reply too, which is nice!

[dx100uk]

its another begging letter

as before you ignore

until/unless you get a letter of claim

or

a court claimform from northants bulk

you continue to do as already advised.

[andyb78]

Okay, thanks DX.

 

It's always tempting to remind them of their obligations, as have found that silence sometimes makes them think of weakness.

[dx100uk]

no!!

[Bazooka Boo]

Ignoring them is the ONLY way to proceed.

 

 

They have absolutely no idea where you are in the cycle of threat letters, only if you contact them do they look at the computer and press the next button to spit out and send more garbage.

[andyb78]

Received the same letter today, advising that the 50% discount date is approaching.

 

I forgot to mention in earlier post that there is a paragraph at the bottom of the letter stating that 'after revving my credit file, they will refer my account to their client for Warrant of Control. Basically, I will be sent a letter by an enforcement agent and within 15 days some chap will turn up on my doorstep to asses what can be sold to meet the debt.

 

This is a step I most certainly do not want to happen. I have a very young family, last thing I need is my wife being harassed when I'm at work.

[andyb78]

Should add that the letters are getting to me via Royal Mail forwarding service, as I moved approx two years ago.

[Old Cogger]

read information given to you above, they are telling you someting??

[dx100uk]

why have you not informed them of a change of address?

we've seen the court N1 envelopes NOT redirected here sometimes.

 

might it be worthy here to send a new CCA request [the last one was several years ago?]

then that will kill two birds.

 

have you done this with any other debt...not informed them you've moved?

[andyb78]

I haven't heard from any other DCA's since I moved, only these guys. I was always under the impression that they pull the data from your credit file anyway.

 

I have drafted a letter that basically outlines the previous CCA requests that have not been met. I was then going to include the old CCA's in the envelope with the letter.

[dx100uk]

yes but if you don't write to them and tell them they can quite legally file everything to your old address

just look at all the backdoor CCJ's in the financial legal forum.

 

never run away from debt in this day and age.

 

there are 700'000 claimforms issued every year, 85% are won by default.