Looking for advice on the next steps with Robinson Way and CapQuest DCAs

[gosavesomething]

Dear forum members,

 

I'm looking for some advice on the next steps I need to take with two companies, Robinson Way and Capquest.

 

I have three debts, two with Robinson Way and one with Capquest.

The two with Robinson Way are Welcome Finance and Barclaycard

and the one with Capquest is Royal Bank of Scotland.

 

All three of the debts have been ongoing for approximately six years and some payments have been made to all three.

They have been passed around several DCA's during their existence.

And, regrettably, I have often ignored them.

 

 

However, after the recent letters I have received concerning them I want to do something about them.

I know it should have been something I should have tackled earlier but I can't change that now so I hope I can get some advice here.

 

I have been reading around some articles but I am a little overwhelmed by the amount of information on the forums.

I'm not sure if some or all of the advice applies to me.

 

I am happy to provide further information and know that I will need to do so in order to receive help from people

but I am unsure what to provide at this early stage.

I have read about an SOA (Statement of Affairs?) but I would appreciate any help an experienced forum member might be able to offer.

 

Thanks for taking the time to read this!

 

 

And this is also a copy and paste of a message I put on moneysavingexpert

but I wanted to 'reach out' to as many knowledgeable people as possible, so sorry if some people are reading this twice.

[dx100uk]

have you ever sent whom is chasing you on each a CCA request?

 

 

dx

[gosavesomething]

No I have not. So to confirm the next step I should take is to submit a CCA Request to each of the three creditors using the relevant templates included in your link?

[Bazooka Boo]

How old are these?

 

Have you checked your credit file to see if they appear on there?

[gosavesomething]

They are old but I'm not sure how old,

 

 

I assume you are asking this question because you think they might be statute barred

and I think they could fall into that six year category.

 

I have an Experian account and I joined for this reason but access is blocked from the country I am trying to access it from.

 

 

I have tried to call them this evening but they are closed,

 

 

I will try and call them tomorrow to see if they can help with this technical issue as being able to see my credit report would be useful

especially as I forgot to cancel the free 30 day trial and paid 14.99GBP for zero access!

Edited November 9, 2015 by gosavesomething

[dx100uk]

are you ever returning to the UK?

 

 

dx

[Bazooka Boo]

They are old but I'm not sure how old,

I assume you are asking this question because you think they might be statute barred

and I think they could fall into that six year category.

 

No sorry, I was asking regarding if they were pre or post 2007, as if they are pre 07 then they will need the original to enforce in a court.

 

But as it has been doing the rounds, then it is highly likely that there is something wrong with them.

 

You could try Noddle, which is free to use.

[gosavesomething]

I am currently living outside of the UK and have been for over 2 years, my wife and I would like to return to the UK in the future but we are not currently planning on moving back to the UK for another 10 years.

 

If I wasn't returning to the UK permanently then I can anticipate your reply! But does the length of my planned stay outside of the UK also affect the next step with dealing with these creditors. Furthermore, I don't think it's that sensible to rely on the scenario that we will be outside of the UK for 10 years because there are a lot of other factors outside of our control and which we couldn't even plan for which might mean that we return sooner.

 

Apologies, for a vague answer, but we will return to the UK at an indefinite point in the future!

[gosavesomething]

Thanks Bazooka Boo! I will try Noddle - I will have to see what information I can find on Noddle, they are approximately 2006-2008, which possibly puts them in that time period which you mention. I will check on Noddle and post what I find on here as a reply.

[gosavesomething]

Ah Noddle is only available in the UK - I will try and solve the technical issue with Experian and see if they can suggest a way for me to access the service which I have already paid for.

[martin2006]

if you are not returning to the uk for another 10 yrs, shred any further letters you get and use it to line your cat litter tray!

[dx100uk]

yep why the heck are you bothering entertaining them???

 

 

bugger and all they can do to you.

 

 

dx

[gosavesomething]

Ok, as far as I understand if I'm not returning to the UK for a 10 year period then there is no need to contact these creditors now because there is nothing they can do to chase the debt while I'm outside the UK.

 

If, however, I wanted to pay back the debts one at a time over the course of this 10 year period to improve my credit history on return to the UK then what course of action could you recommend?

[sillygirl1]

Do nothing. Read up on the Statute of Limitations. They have six years from the date of the last payment to chase you. 10 years would be way outside that time limit.

[daverules]

Regardless if you pay it back it will not change your credit history.

 

Look at your default dates for the debts, it will drop off your report 6 years from date of

default to never return.

[Bazooka Boo]

Is someone forwarding your mail for you then?

 

Or do they have your overseas address?

 

If the former, then you can get them to write on the envelope ''RTS Not known at this address'' and in time they will mark you as a gone away.

 

Or if they have your current O/S' address you can send £2 to Experian for your credit file (hard copy) and see what's on there.

 

But as has already been said, if you're not going to return for another decade, there's zero they can do.