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Hi,

 

 

I recently moved house and both me and my girlfriend have many debts between us.

 

 

Lowells have most of the accounts but there is capquest, dlc and bcw.

 

none of them have our new address,

 

 

do you think its worth contacting all concerned dca's with the new address or leave them to find us.

 

 

I have been holding them back with cca

 

 

but I am concerned that they might just obtain a default ccj at the old address

and we wont find out about it untill bailiffs knock at our door.

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If you were the debt owner, which would you do first - apply for the CCJ or search for an updated address?

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The DCA's will eventually find out your new address because you will update Bank Accounts, Insurance etc.

 

Holding back is never going to make the matter go away, you need to immediately take control, before sending CCA's, how far off are these accounts from being Statute Barred? When was your last payment or full written acknowledgement?

 

If you have no Royal Mail redirection then the DCA could obtain a CCJ by default, you would need to keep an eye on your Credit Rating but doing so then updates the system and the DCA will put a marker on your Credit File so they are notified when your Credit File is updated.

 

Have you got all statements from the original accounts before they were sold? If not you can obtain then via a SAR, the SAR goes to the Original Creditor, that way you can claim back any late charges and PPI if it was applied.

 

Stigman


NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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I would say for you to get the best advice you should list your debts in to what they are credit card,loan ect

 

There may be loits that can be reclaimed late payment fees etc

 

When was last payment on these debts

 

Time to take control and beat them the right way


If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Be warned

By not updating your creditors of your current address, you will end up with a ccj with no hope of having it set aside.


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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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not if they've already been asked to produce

and have failed to supply a CCA.

 

 

that could be used as a defence with the set aside

though ofcourse you're already £155 down for the cost of the set aside.

 

 

really diff to say without a list of the debts

 

 

what type of credit

who was the OC

when taken out

who owns it now

defaulted date


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