Do I raise my head above the parapet?

[ohitsonlyme]

My unenforceable journey is coming to the end! At last

 

 

I have been to County Court to fight ccjs and high Court to fight HCE Bailiffs and only lost once on an un- regulated loan

I have been checking through all of my creditors and dca accounts

 

Most are now statute barred or coming up to being statute barred in the next couple of months

 

Most of the dca do not know my current address.

 

I am considering writing to each one in turn once I consider that it is SB notifying my current address so that they can't sneak in and get a ccj at my old address and informing them that the account is statute barred

 

What does the team think about me doing this?

 

Only me again

[renegadeimp]

Only notify them of it being SB if they chase you or you get court action. For now, keep your head down, especially if theyre already SB or coming up to SB. Let them waste their time chasing you.

[ohitsonlyme]

My main concern is that I may not receive a claim filed at my old address

And if I miss it I could end up playing catch up with a set aside

[renegadeimp]

If you receive a claim ( unlikely but possible), then you could set aside if you told them your new address. However, if you go around contacting the DCA's out of the blue, then you open yourself up to further harassment from them, plus run the risk of acknowledging the debt and resetting the SB status.

 

if the debts are already SB, then let them file a claim. Theyd have wasted their money. If the debts are almost SB, then lie low so you dont run the risk of resetting them.

[SabreSheep]

What types of debts are these

 

Have the ones where its acceptable to CCA been done?

 

Any reclaims from ppi or credit card charges?

 

There may be ways to drag some legitamtly beyond the SB time

 

BUt yes, if anyone applys for a ccj using your old address, by not informing them it would be difficult to get it set aside

[citizenB]

Only do this is you are absolutely certain the accounts are statute barred.

[ohitsonlyme]

The consensus seems to be to let sleeping dogs lie, both here and other sites and so this is what I will do

 

I've subscribed to credit reports for a few months now and they seem to let me know about any changes.

 

I've got recent letters from most dca to my current address so could argue against a potential default if one were to sneak in

 

Onlyme

[renegadeimp]

Well they can't add a default if the oc didn't. Unless you sign a form giving them permission to do so, similar to eruidios current tactics.

[ohitsonlyme]

Renegade, I meant default judgement, not default notice,

However following on from what you've said,are dca allowed to register a default notice? As lowell recently have on a previously defaulted account

Onlyme

[oleg]

Debt purchasers should update the default by transferring it to their name but retaining the date of the original default.

[Guest]

Only do this is you are absolutely certain the accounts are statute barred.

 

 

ditto

if its potentially 'close', do nowt unless sure.

if is already barred, then any comms thereafter wont reset.

a default judgment eg on an old address can be set aside if it was barred at the time.

[renegadeimp]

They still have to follow procedure to get a court order, then judgement, then enforce it.

 

For now, MY advice would be to stay quiet, but get as much info on if they are SB as you can, so you can be prepared IF they actually do something.

[ComingHome]

I'm always mystified how the DCAs can get court paperwork served when you are no longer at that address.

 

 

Many years ago, when I was on the other side of the fence & chasing people for money owed to my company, I would get a letter from the court saying sorry, he's gone away. If you find his new address we will re-serve the summons for you.

[renegadeimp]

DCA's use any trick they can to get what they want. They dont care about legitimacy or not. Thats why many DCA's try and issue court claims, even if they dont have any of the required paperwork. They hope to get a default judgement so no questions are asked.