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charliebucket

DCA are harassing my family members

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I am worried about some debts that i struggled with after a relationship split.

 

 

My ex ran up the debts in my name and then left, leaving me to sell up and move to avoid losing my home.

 

 

I couldnt pay some CC's and i left to live overseas.

 

 

I have now returned and found out that in my absence my family members were traced by DCA's and subjected to constant harassment.

 

 

My sister had a solicitor write to them to say the debt wasnt hers.

 

 

I used her address for mail briefly after i moved overseas.

She now says that she was taken to court for information on me??

this doesnt make sense as i thought they could not contact a 3rd party in this way?

 

 

The debts are now 6yrs old but i am worried.

 

 

I am not working and have been ill for a number of years,

 

 

I am struggling to make ends meet as it is and cannot afford to pay these debts.

 

 

Any advice is appreciated.

 

 

thank you.

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that doesn't sound correct I agree.

 

 

they might have gotten a CCJ by default against you toward that address

but that cant harm them

and neither can the DCA's

 

 

have you tried to go get your credit file?

 

 

noddle is free see below.

 

 

as for the letters etc etc.

 

 

if you are not at the address

then its quite safe to put all the letter back in the post

marked

not at this address.

 

 

I take it you are living elsewhere and the DCA's have not found you there yet?

 

 

if the debts are over 6yrs old since payment

then they are statute barred.

 

 

dx


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Hi Charlie

 

Welcome to CAG

 

It is not possible for your sister to be taken to court for your debts - more information on that would be useful.

 

Can you list the debts, also the date last paid or acknowledged? Did you have PPI or charges on these debts?

 

The OFT guidelines on debt collection state that family members shouldn't be harrassed.

 

http://www.gosportcab.hampshire.org.uk/OFT_Debt_Collector_Guidance_Oct_11_Rev.pdf

 

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Hi Dx and Rebel, thank you for your replies.

 

I am worried that applying for my credit file will create a link to my current address ?

 

 

The DCA's have not located me since my return to the UK, and I dont know if any of the debts became a ccj.

If they have then i am assuming that this over-rides statute barred?

 

Unfortunately my sister and i have not been on good terms because of this,

and she has not given me much information on being taken to court.

 

 

She said that the DCA took her to court because they believed that she knew where i was living.

 

 

She told them of the harassment and has heard nothing since.

 

The debt was for a TSB credit card last paid Sept 2007.

 

 

I expect that there would have been charges on the debt when i stopped paying,

and I dont remember if i had PPI ?

 

 

I guess its possible being a bank and they usually insist on it?

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That is truely bizzare, very, very unlikely, you've explained that you don't get on with her, enough said.

 

'She said that the DCA took her to court because they believed that she knew where i was living'.

 

So you need to check to see if you have any CCJ against your name.

 

Check to see if the debt is Statued Barred, it does sound like it would be provided there is no CCJ.


Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

Joshua J. Marine

 

1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE

2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE

3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE

4) REQUEST CCA FROM CREDITOR CLICK HERE

5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE

6) CAREY V HSBC (2009) CLICK HERE

7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE

8) IN DEBT DON'T PANIC CLICK HERE

9) FULL AND FINAL SETTLEMENT CLICK HERE

10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE

11) DISTANCE SELLING-EDUCATE YOR RETAILERCLICK HERE

12) SOGA SUMMARY CLICK HERE

13) WHICH? TEMPLATES [/url]CLICK HERE

14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE

15) EVERYTHING HOUSING CLICK HERE

16) UTILITY BACKBILLING CLICK HERE

17) OFGEM - COMPLAINTSCLICK HERE

18) OFCOM - COMPLAINTS CLICK HERE

DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

 

Don't forget to donate to this site

 

Please let us know how your problem has been resolved, it could help fellow Caggers

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someone here is talking smelly stuff

and its not us

 

a DCA nor anyone

can take anyone to court

just because they believe you are hiding someone

 

 

utter bowlarks

 

 

as for the cra file

 

 

your will already be on there if you have a mobile/registered on voters or have a bank account.

 

 

go get it

stop avoiding things

nothing can hurt you.

 

 

dx


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I second the above.

 

We need the full true facts, and someone isnt telling the tuth here.

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Equifax do the £2 statutory report online and that has more information on it than Noddle. Experian is too much pfaffing about!

 

I check that one twice a year.

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OK I have a an idea

 

If a CCJ was obtained at his sisters address in the OPs name

Wondering if the DCA obtained HCEOs

Maybe that led the Sister to have to make some sort of declaration to the court the OP was not living there.

 

That scenario would fit


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don't think HCEO's get involved in civil debts.

 

 

dx


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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don't think HCEO's get involved in civil debts.

 

 

dx

 

Surely they can do if a CCJ has been obtained ?.

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its very rare .

lets say for a debt buyer to get a CCJ the cross the court to HCEO.

esp when 9/10 its a default judgement

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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