Optima chasing for Cabot on old vanquis Credit Card [scotland]

[somethingelseplease]

Hi Guys

 

Over the weekend I received a letter from Marlin which I have attached to this post, as Cabot are the current Creditor will I send the SB letter to Cabot or Marlin?

 

I have made absolutely no contact with Vanquis, Cabot or Marlin in the 5 years, the account went SB on the 31.07.2009

 

Marlin are very intimidating by their wording!

[oleg]

Just send Cabot [owners of Marlin] the S B letter. That should put an end to this nonsense. In the unlikely event that it doesn't, come back here for advice.

[somethingelseplease]

ok thank you

[dx100uk]

they are sending out 1000's of the exact same letter.

 

 

my neighbour has had 4 of those

 

 

all the debts are very very sb'd

 

 

one is even from 1992!

 

 

I hope people don't fall for them

 

 

dx

[somethingelseplease]

Ok I shall send the SB letter

 

cheers

[Bazooka Boo]

I particularly like their ''Intention to instruct''??

 

Sorry?

 

In your first threat sentence you state that you are simply advising ''your client''....

Si you won't be instructing anyone you deluded clowns!

[somethingelseplease]

Just a quick question as I'm thinking of sending them the Statue Barred Letter

 

How long does it or should it take these DCA's to update the credit report once they receive my letter?

 

and if they do remove the file will they notify Noddle and all the others or it just one?

 

Also I was wondering about this, when you send a SAR isn't that you admitting liability for the debt and the clock starts again ??

I'm probably wrong on that one lol

Edited November 24, 2014 by somethingelseplease
edit

[dx100uk]

remove?

 

 

if its sb'd typically it doesn't even show?

 

 

so it shows on your file?

 

 

dx

[somethingelseplease]

So if it's Statue Barred then they shouldn't show??

 

I thought some people on here were sending off letters to get their credit file updated from the DCA's who still have the debts in the file?

 

I was sure if I knew the debt was Statue Barred and it's over the 5 years and I still see the debt on my file I just send the letter for the DCA to update? Isn't that right

 

Yes still shows

Edited November 24, 2014 by somethingelseplease
edit

[dx100uk]

what is the defaulted date in the summary please?

 

 

cra file retention is 6yrs even though you are in scotland

[somethingelseplease]

Sorry yes I meant when it's Statue barred does the entry stay on your account for the 6 years then fall off ...which it should do

 

but can the DCA still keep that on the file even thought it's over the 6 years ? that's what I'm trying to ask

 

So in theory a DCA can keep pushing that debt with Noddle and Equifax until you contact the DCA to expliain that it should be SB

[dx100uk]

is the debt defaulted

[somethingelseplease]

For this one Yes definitely

[dx100uk]

so what is the defaulted date as explained before

 

 

All references to a defaulted debt must be removed from your credit files after 6 years

has passed from date of default, whether paid off or not.

.

the WHOLE ACCOUNT WILL VANISH, never to return.

.

however, this does not mean the debt itself is not still owed

consider a CCA request.

.

This is so that someone who continues paying something

- even after 6 years from default

- should not be at a disadvantage to someone who pays nothing after default

and ends up with a clean file after 6 years.

 

 

.............

 

 

if a debt shows a default

hitting the SB date will not cause it to vanish any earlier than above.

 

 

.................

 

 

an account that hits 6yrs with no activity and no defaults markers etc

should automatically fall off shortly after the 6yrs

there is no need to ask anyone.

 

 

however markers [1,2,3 etc]

will cause it to be held until they expire at 6yrs

[somethingelseplease]

Ok I have 3 which I know I haven't contacted below

Cabot (Vanquis Credit Card) - As per Equifax Default Date: Was on file but now gone - Noddle Default Date: 31/07/2009 DEBT £804

Buchanan Clark & Wells (Provident Loan) As per Equifax Default Date: Not on File - Noddle Default Date: 30/11/2009 DEBT £765

 

One which should be SB in March 2015 and no acknowledgement

Capquest (Mail Order Clubbie Book) As per Equifax Default Date: 28/03/2010 - Noddle Default Date: 28/03/2010 DEBT £1234

The rest are the Debts which I acknowledged IN 2012 by Email before looking at this site (dum dum)

4x Lowells which are mentioned in another thread which we know can't be looked at just now

Edited November 24, 2014 by somethingelseplease
edit

[somethingelseplease]

Do you think I should just CCA the first 2 (Cabot and Buchanan) or send them the SB letter?

[dx100uk]

barring the letter in post one

and the lowells stuff

 

 

are any of the others debts being chased ?

 

 

if not I'd leave well alone don't poke snakes

[somethingelseplease]

There all being chased mate, I've had umpteen letters from them all

 

Nothing major just the usual rubbish we may, we might etc

 

Ok I see what you mean with the first 2, even though it's 5 years (as im in Scotland) it still needs the 6 years to drop off so they 2 should drop off 31/07/2015 and 30/11/2015

 

The next 1 Capquest will be 28/03/2016 but will become SB 28/03/3015

 

As per the Lowells, I want to get these off my record because they are now on there till at least mid 2018 (6 years from 2012 when I contacted them) which isn't helping me get a mortgage quicker.

 

My folks have decided to give me £5000 which needs to be paid back, I really want to pay Lowells once and for all and take the next step to becoming debt free. Is this a good idea? I really really don't want to be waiting till 2018 for the Lowells to drop off.

[dx100uk]

lowells cant default debts.

 

 

can I just get something clarified

 

 

as I still think you are not getting most of it

nor are upto speed

 

 

read a few threads in these forum or use our search too.

 

 

the statute barred date has no DIRECT relationship to

 

 

default marker

default notices

 

 

or anything on your CRa file.

 

 

sb runs from your last useage in/out

or you last WRITTEN ack of the debt

typically a letter referring to the debt

whereby you signed it.

 

 

pers I'd not be counting emails as acking them

 

 

wasn't me gov'ner!

[somethingelseplease]

DX I agree that I'm still unsure about things but that's why I'm coming on here for advise

 

But I contacted Lowells in 2012 and going by advise on here the clock has started again because I acknowledged the debt, at that time I was making phone calls, sending letters and Emails so they will have a selection of proof of acknowledment.

 

I can't wait till 2018 for the 4 Lowell debts to drop off the Credit File

 

DX thanks for the help mate

 

I think what we will do and it's a great plan as I now know I have the money behind me if anything happens

 

First we let the Cabot and Buchanan drop themselves off by themselves next year as we know they are now SB

 

Secondly we wait till April/May next before sending the SB letter to Capquest, I'm pretty sure I sent them written acknowledgement as I was looking through all the old letters I kept a copy of. If they come back after sending the SB letter saying they have written proof then we pay that one

 

Thirdly we chance our luck and send Lowells with 4 SB letters, I know for a fact (I sent Email,letter and called them up so they will have something on file) these clocks have started again from 2012 so will have to wait till 2018 before these are dropped, if we receive the same as above back saying they have proof then we will pay them and get them out of the way and wait till a year later before they are dropped off the Credit file.

[somethingelseplease]

Hi guys, letter attached for ref

 

I was keeping my head low but I've just received a letter through the door from Optima Legal chasing for an outstanding Vanquis Credit Card debt from just under 5 years ago.

 

I have looked at my Equifax report and Cabot has disappeared but it's still available on Noddle, I checked when the account was defaulted and it states 31/07/2009 but Noddle states the amounts start from July 2010 which is weird, maybe just when it was updated with Noddle I suppose!

 

Account type - Credit Card

 

Account number - ********5312 0

 

Account start date - 04/10/2007

 

Opening balance - £ 613

 

Repayment frequency - Monthly

 

Date of default - 31/07/2009

 

Default balance - £ 613

 

Last time I made contact with them was June 2009 explaining that I was taking my debts to a debt consolidation company, I can't think and hope I didn't send a letter which I never recorded at a later time.

 

Who is Optima? are they the sort of people to issue CCJ's etc?

Edited May 7, 2015 by somethingelseplease

[havinastella]

Are you in Scotland?

 

Have you paid anything since the default?

[somethingelseplease]

Yes in Scotland and never paid a penny

[havinastella]

The debt has gone. Send them the Scot Stat barred letter in the library!

[havinastella]

http://www.consumeractiongroup.co.uk/forum/showthread.php?387433-Statute-Barred-Letter-SCOTLAND-**Update-21st-April-2014**