Me and lots of old debt

[hamadryad]

HI guys 'n' gals,

 

If the OC is asking for more details, ie first name, date of birth & previous addresses, are they entitled to ask for that data.

 

I sent an SAR to Sainsburys Bank & got a reply back fro Bank of Scotland asking for these details. They have kept the £10 and say they can't find any details from what I've supplied them, and they now need the above info in order to proceed.

 

I am reluctant to acquiesce!

 

H

[hamadryad]

Hi,

 

I've scanned in & attached the files I have so far.

 

There is precious little else from them.

No statement of payments into the account.

No detail of any charges applied, (and I'm certain there are some to be reclaimed!).

 

Any and all advice is welcomed.

 

Best regards,

H

[dx100uk]

if you've moved since taking out the credit

you should list your old addresses on the sar

sign it

and include say a present CTAX bill to prove where you are living now

 

 

it does hurt to give them the info now no.

[dx100uk]

be much better if you started a new thread in the cap1 forum

and post the docs there [put them all in a word doc first!!

see upload

 

 

this thread is getting far to complicated for all your debts to be in one place

[hamadryad]

Hi dx,

 

Fair comment!

Did you mean for just the Capquest stuff?

Are there other forums for the other OCs and Moorcroft?

 

H

[dx100uk]

yes there are

but file the Moorcroft stuff in the OC's named forum.

 

 

dx

[hamadryad]

Hi,

 

My scanner won't save them as a word file & I'm not adept enough to convert them, so wherever I put them they will have to be in pdf format.

Does that matter?

 

H

[dx100uk]

you don't scan them as a .doc

you scan things as a picture

then use MS paint to redact anything pers

then pop all the pictures in a word doc

THEN print or convert that to PDF.

 

 

read the upload

 

 

dx

[hamadryad]

Hi all,

 

Firstly may I say that I am very grateful for all the assistance and advice from you learned people.

It has been invaluable.

 

I have done what you all suggested and since the cra's can't provide evidence of 2 of the debts, I have stopped payment on them.

 

Moorcroft have emailed me twice saying that they are waiting for their client to respond,

but each time I have emailed back saying that I am not ignoring them,

but rather waiting for them to provide the evidence that they hold the debt.

Clearly they don't, so I'm not worried really.

 

I am maintaining the payments to the others though, at the agreed rate, ie £5 pcm

 

I have received a letter from Robinson Way now, saying that they have contacted a (very) old address and asking me to confirm where I'm living now.

 

I have ignored it on the basis of what I've read on here, and that they have probably been passed it by Moorcroft.

 

I necessary, I will write to them and tell them what I've told the otheers.

 

Your thoughts....................................

[Bazooka Boo]

Have you checked your credit file at all? What, if anything, does it say on their relating to any of the debts that you're paying?

 

As for emailing them each time you receive their junk mail, IMO I'd simply ignore them until such time that they can provide the evidence

of these debts they claim you owe. It might seem the right thing to do by eeping in touch with them, but believe me

there is nothing morally wrong in ignoring such specious outfits as these, they have absolutely no desire to keep you on side,

their sole focus is to make as much profit out of you as they're able.

Ignore them.

 

As for robbers way and their lame attempts at phishing for info, you can ignore them too!

Keep a copy of that letter for future reference when you can lodge a formal complaint about them to the FCA regarding their blatant

tracing practices.

[hamadryad]

Hi Bazooka,

 

I shredded the letter. Force of habit really, I always shred my addresses on letters.

 

I will ignore them. I have no wish to enter into any correspondence with them.

 

They made no reference to any debts, just wanted me to confirm the contact address, which I have no wish to do.

 

Incidentally, I have moved several times since I left the address they gave, so I know they haven't been given my current address by anyone there!

 

Your help, as ever, is greatly appreciated.

[dx100uk]

pers on powerless dca's that fail the CCa request 12+2 working days deadline

 

 

I'd not enter into any comms tennis

neither pay them

 

 

dx

[hamadryad]

Hi dx,

 

Thanks. Courtesy of our last comms, I've stopped paying the DCAs and I think that that is where the Robinson Way letter started from.

 

I'll not be paying them any monies, and after 6 years it'll die a death!

 

Just a shame it'll take that long really!

 

Thanks again.

[hamadryad]

Well, Ive not posted in a while and here's why.

 

My mother is now in a home and I've haad to move out because the house has been sold to fund hher care!

 

However, I have come in to a spot of good fortune.

I have a new address, a new lady in my life, and a small bequest!

 

I want to stop any and all phone calls to me new address, and I want to make an offer for a full and final settlement of the debts!

 

Please can someone point me in the right direction for the appropriate letters?

 

1. to stop the phone calls at my new address, and

2 to a Full and Final letter.

 

Also some indication of what I can get away with offering in % terms. The bequest is not that good!

[dx100uk]

waste of money

go burn it for all the good it will actually do

or have a holiday with it.

 

 

let me go re read the whole thread to get the story

[hamadryad]

I have been paying a paltry sum to the creditors, £5pcm each, but now I want a to get a full & final settlement, given that next month I'm 64 with the obvious pension date next year.

 

I want this monkey off my back!

[dx100uk]

so who are you still paying

and I gather these are debts still owned by the original creditors?

[hamadryad]

so who are you still paying

and I gather these are debts still owned by the original creditors?

 

I'm paying the original creditors, but now Capquest are saying I have to pay them because they now own the debt.

I'm not sure they do, so I am going to ask for proof they do.

Thing is, if they don't, can they still charge me for the administration they've undertaken?

I've stopped paying moorcroft because they have not provided proof they are administering the debt they claim I owe ( I do. It's and overdraft), but I've no proof they are authorised to collect on it.

I'm in a position where I can now make a small offer to clear these debts, but I don't want to send money to the wrong places & end up with a worse position.

[dx100uk]

you don't need to send money to anyone.!

 

 

so.

we are down to concentrating on only 2 debts now? the ones that were with the OC's?

the rest are not paid, and have all failed CCA requests?

 

 

don't go sending stupid letters yet

get our ducks in line please

[hamadryad]

Hi dx,

 

I have 5!

The perils of trying to give a great send off to my ex wife who had a brain tumour!!

 

Failed. She turned violent & I had to get out. Long story, but I got saddled with the debt.

Been paying them all £5pcm while I was 'unemployed'.

I did eventually get a job while I was caring for my Mum, but now she's in care & I had to move out so the house could be sold to fund her care.

 

I plan to write to capquest to get them to prove they have the authority to administer the debt. If, like moorcroft, they don't, I'll not pay them a bean & just deal with the original creditors.

 

I have no plans to do anything stupid though.

[dx100uk]

Moorcroft didn't own the debt hence you deal/dealt with the OC ONLY

as for capquest, they are debt buyers so they get a CCA request unless its a bank account

no good sending other silly authority to administer letters, just invites pointless letter tennis.

 

 

have you updated the people you are paying your debts too that you have moved?

per I think its far better we start again as you relist your debts

then lets go thru a process of my questions.

and then we'll advise suitably

[Bazooka Boo]

Is your credit file updated with your new address?

[hamadryad]

Hi All,

 

The debts I have are as follows:

 

Capital 1 - 4346.69 Paying direct @ 5.00pcm

Virgin c/c - 9761.99 Capquest claim I have to deal with them, but I'm paying direct at 5.00 pcm

Halifax c/c - 3271.14 Paying direct @ 5.00 pcm

Sainsbury's loan - 5623.29 Capquest claim, but I'm paying direct @ 5.00 pcm

Abbey bank - 2652.41 Paying direct @5.00 pcm

 

I am unemployed and want to continue to pay them at 5.00 pcm if they wont accept a full & final.

I can afford to pay them 10% each from my bequest, but not very much more!

 

I have created a 'Scan my mail' address to get all future correspondence to go to one place.

They won't be able to contact me direct there,

but it will accept my mail & scan it in for me.

 

 

It will be useful if I can start a business in the future,

although I am 64 next month,

so the chances are slim of doing so!

Retirement beckons!!

 

I will be away from, a pc for about 5 days now,

trying to solve some family issues,

but I'll have my phone with me.

 

As always, your assistance is greatly received.

 

BTW,

 

I believe, (although I have yet to check), that I had PPI with Halifax on a mortgage I used to have. Long story, but suffice it to say I don't have a mortgage now!

 

H

[Bazooka Boo]

If you're unemployed, then the maximum you should be paying them is £1 a month, NOTHING more.

[dx100uk]

Sort of makes a mockery of 139 posts and all the advice

We appear to be in exactly the same place as post 1?

 

Advice OK is just that you don't have go take it but,....