Advice sought - Old Debts looking to settle!

[Bazooka Boo]

OH dear, welcome to CAG.

 

You are unfortunately what is called a ''Cash cow''.

 

They know this and are bleeding you dry of money you quite possibly don't owe!.

 

There is absolutely zero point in offering them anything, as it won't affect your credit file one bit, once a default is on there, there it remains for 6 years until it auto drops off.

 

Who are you paying currently?

 

When did you last pay anything toward any of these debts, list them all.

 

If you haven't paid anything for 6 years then they are time barred.

 

Name ALL of the powerless debt collectors who are robbing you.

[Bazooka Boo]

Opened Date Type Original CCA Total Payments

2000 OD Barclays Direct £26,000 £1 SAR (£10) to Sharklays and reclaim ALL of their fees and charges.

Mar-05 CC RBS Moorcroft £730 £1 CCA Request to moorcr@p, once they fail stop paying.

Aug-04 CC Natwest Direct £2,300 £1 CCA Natpest & reclaim all of their charges.

Nov-07 CC Mint Direct £11,000 £1 CCA Mint, reclaim all charges.

Mar-07 CC Tesco Direct £3,200 £1 CCA Tesco.

Feb-00 CC Barclaycard Cabot £10,700 £5 CCA Sharklaycard, reclaim all fees charges and stop paying Cabrot.

Jun-07 CC Halifax Cabot £8,700 £1 CCA Shallowfax,

May-07 CC Virgin PRA £13,500 £1 Sold to Vardo Stop paying.

Jun-07 CC Egg Moorcroft £2,500 £1 Sold to Arrow Stop paying.

Jul-05 LOAN Barclays Direct £250 £1 no correspondance re this Stop paying.

Jul-08 LOAN Santandar Moorcroft? £11,500 £1 They marked it as satisfied in 2010 but still send default notices

 

In short, you're being mugged off here, and throwing money away, they have to provide you with the evidence that not only do you owe this, but that they have all of the correct paperwork to enforce in court, which most pre 2007 agreements won't have, and I guarantee that 9 times out of 19 the response you'll get back is that ''Due to the age of the accounts the agreement cannot be found, however you have a moral obligation to pay blah blah blah!

 

CCA's cost £1

SAR's £10

[Bazooka Boo]

What do you think i should do about santander

- they marked it as satisfied..

. they still send me account in default letters once a year.

 

Send a CCA to them too, but as Moorcr@p are the gophers for them, send it to them, don't sign ANY of the postal orders, just leave them blank.

[Bazooka Boo]

Excellent, don't forget they have 12+2 working days to supply yo with the agreement, when they DON'T, then you can, and should STOP paying, otherwise they'll string you along forever.