Drydens Fairfax chasing possible old debt

[Gumbo the man]

Hi guys,

 

new here and after some advice on a rather messy situation if possible.....

 

Around 2011/2012, i was discharged from an IVA id been paying into as i lost my job at the time,

was out of work for a lengthy period, and had no way of covering the amounts set.

 

The IVA company handling my account told me the creditors would "probably" start contacting me again in pursuit of the monies outstanding.

Some did, some didn't.

 

After a period of around 6 months, i was offered settlement on a couple of these, which I accepted.

As i wasn't being pursued by the others, i assumed the matters were closed. Naively.

 

Roll on to 2 weeks ago when I received a letter from Drydens, this was a phishing letter as they wanted to know if i lived at my new address, of which ive been at 8 months. No mention of debt, just an "is this you" letter. i ignored it.

 

Today ive received another letter from them, addressed to me and detailing the debt of approx £1200 to a company I've never heard of.

I believe this company to be a Luxembourg company that buys debts.

But to me, it could be anyone, and none of the original creditors I owed.

 

After 5.5 years, to be honest, I have no idea who i paid off, who's was left chasing, and who gave up.

This amount is on my credit file, but again, i have no recollection of the company Drysdens are claiming i owe this money to.

 

Also, it looks like this debt will become SB'd in December of this year, Dec 2017.

There are 3 entries, of which this is one, on my CF that are "closed", whatever that means.

 

where do i go from here?

Do i just ignore Drydens,

do i ask who this is they claim i owe money to?

Do i try and ride it out to SB'd?

 

Any advice appreciated.

S

[dx100uk]

its not a good idea to move and not infor the creditors listed on your credit file

you leave yourself wide open to backdoor CCJ served to your old addresses.

 

 

whos drydens client.

[Gumbo the man]

Dx, hi

 

I get what you're saying, but to be honest, after 4 odd years of not hearing from anyone, no statement of accounts, no chasing letters, it just didn't seem an issue anymore.

 

As i said, possibly naively, Id assumed the remaining ones had "given up" chasing the amounts.

checking my credit file when i moved wasn't even on my radar.

 

Until today, i haven't checked my CF since around 2012.

And i would have assumed, if someone was going down the CCJ route,

it would have been served by now and on my CF?

Of which there isnt any...

 

Are you saying i should inform the remaining ones of my new address,

when I haven't heard anything from them in over 5+ years whilst at that previous address?

 

The client Drysden are representing are PCO Holdco SARL.

[dx100uk]

PCO Holdco SARL are a bunch of low life fleecers

 

debt buyer will hold off issuing claimforms until just before the 6yrs mark

that way they can charge 6yrs of stat 8% interest

 

inform your creditors asap

[Gumbo the man]

Thanks again DX,

 

Ok, they are fleecers, but Im still not aware of who they are or what debt, if any was sold onto them, and from whom.

How do i clarify this, and determine if its enforceable by them or Drydens?

 

And reading your reply, it insinuates that these companies "deliberately" hold off until near SB'd in order to then apply interest on the last 6 years, is that correct?

 

Is that even allowed without some prior communication? I'm no expert, but a quick google shows that this legislation (1998 i believe) applies only to commercial defaults and not applicable to Consumer Credit issues?

 

Getting away from my original post.

How do i deal with Drydens letters now?

As I'm not aware of who SARL are and cant recall the amount requested and to whom, if any, this was originally owed too.

 

Do i ignore until if/when they start threats, or approach them to determine who SARL is and prove this is my debt?

If it is legitimate, do you think they'd offer reduced settlement, or would just go straight for the CCJ with charges anyway?

 

As i said previously, they are 3 creditors left on my file with outstanding money, that NONE have communicated with me in over 5 years.

Again, possibly naively, I thought these may have been "written off" as I've not heard anything.

 

But, by what you are saying, you think they are all going to proceed with CCJ claims now at this point, 6 months from SB'd, in order to charge the extra interest?

 

To be honest, if that's the case, informing the other two is the least of my worries, as Ill have to declare my self bankrupt, as I'm in no position to pay anything towards these at the moment..being self employed and currently looking for further work.

[dx100uk]

you need to get reading up here

 

there must be some indication on the letter

why not scan it up here click upload pdf please.

 

your credit file should tell you the type of debt each is and the owners now.

 

they can hold off and ofcourse all comms have gone to old addresses.

you've a phishing letter.

you need to respond to it and to all the others that you've never written too with a change of address.

 

but we need to know debt types first

not every type of debt is covered by a CCa request.

 

dx

[Gumbo the man]

3 files on My CF in addition to this one;

 

santander Overdraft / unsecured loan (cant remember)

Store Card

Credit Card

 

Not had any comms from any of the above since the IVA.

 

Worth noting, the IVA discharged in 2012.

 

I remained at the same address for another 4 years.

 

In that time I received no correspondence regarding any of these debts that remained.

 

Also attached the images of the 2 letters.

 

Thanks again.

dryden letters for PCO Holdco SARL.pdf

[Gumbo the man]

Any further advice on how to deal with the current Drysdens letters?

 

Appreciated.

 

S

[dx100uk]

have you moved since you took your debts out...

 

those are phishing letters

 

you could send the prove it letter if you wanted too.

just so they have your correct address

[Gumbo the man]

Thanks DX,

 

Yep, as i said previously. The original IVA ended in 2012. I remained at that same address for another 4 years with NO contact from anyone, and recently moved 8 months ago to my new address. This letter turned up 2 weeks ago.

 

I think Ill wait on the next one and send the prove it letter as you suggest.

[Bazooka Boo]

I'm flabergasted, no surprised, no...............giggling, yes that's what I am, I'm giggling at their use of those hilarious phishing letters, they are Sooooooo 80's!

 

I didn't even believe they still used those playground missives, ''please tell us where our client maybe''? Are they seriously still that stoopid??

 

Worthy of a complaint to the FCA, if this is their ''World leading trace system'' then we're going backwards...