My Debts with Various DCAs

[shellbells1982]

Hi there,

 

I've sifted through a few threads trying to get a jist of what to do.

Quite a bit of info,

I'm hoping someone can help me with my issues

 

Done a credit report and I've currently 5 defaulted accounts and 1 arrangement

 

NatWest credit card

- defaulted balance £984 with a current balance of £785.

This debt is paid DD £20p/m directly to Natwest,

I've ignored ALL letters from Wescot who manage my account on behalf of NatWest.

 

 

NW have just written to me this week informing that my account has been assigned to Cabot Financial,

to cease my payments to NW and make future payments to Wescot for the foreseeable

- Thoughts/ advice on what to do at all?

 

Aquacard

- Account in arrangement with CapQuest to pay £5p/m, current balance is £1,200.

This doesn't show as a default on my credit file.

Notes that its in arrangement

 

Vanquis

- account is defaulted with Hoist Portfolio Ltd

- this was forwarded to Robinson Way and I currently pay £10p/m with them

Current balance £320 defaulted balance was £859 (Dec 2018 6yrs expires)

 

JD Williams

- Held with Lowell managed with Fredrickson paying £5p/m. £919 defaulted balance, current balance £504 (Nov 2017 6yrs expires)

 

BT

- Debt was passed to Past Due, then Capital Resolve, then Freds.

I paid Capital Resolve the debt of £91.05

Freds have this as balance owing when I checked online with them

Lowell have a default recorded with the account type being Communications Supplier,

default balance £72, august 2015 which I think is the original BT debt

 

Oxendales - Default recorded with Lowell, managed and arranged payment with Freds of £5p/m

 

I have just at the moment cancelled all standing orders & DD's, just want to get some clarity on what to do with them

 

Thanks

Shelly

[dx100uk]

bar the old BT debt

[shame you got sca.mmed by PastDue into paying it

that went straight in his pocket and he ran, that's why it still shows as outstanding.]

 

the rest all need a CCA request sent to whom you were paying or whom is the owner of it now

 

great idea to cancel all payments!

 

well done

[ericsbrother]

most of the smaller dca's arent licenced with the FCA as deposit takers

 

 

if you pay them and they dont pay the original creditor you still owe the money.

 

 

DcA's are like estate agents,

they dont own anything

they are selling and you dont have a contract with them.

 

As for the expiry date given,

they are just when the debt should drop off your file,

not a date when the debt is expunged.

[shellbells1982]

Thanks,

 

RE; Paying PastDue, yeah I realise that now - wished I'd known before. They really do scare you into paying up (tactics and wording used on the letters they send you)

 

Great to know, had no idea in regards to the DCA's

 

I'll def get the CCA Request sent out to them all...

[dx100uk]

you forgot the golden rule of CAG...

 

 

a DCA IS NOT A BAILIFF

and have

NO SUCH LEGAL POWERS

[shellbells1982]

Yes I did!...wish I'd come on here sooner

[shellbells1982]

Five CCA requests sent out yesterday...what's the tactic of the DCA's/ expected response/ next stage?

[unclebulgaria67]

Five CCA requests sent out yesterday...what's the tactic of the DCA's/ expected response/ next stage?

 

You will have to see. They won't have copies of the CCA's on their files, so will have to contact the orginal creditors. For a CCA taken out after April 2007, they don't need a copy of the original. They can supply a generic CCA doc that was issued at the time.

[dx100uk]

you need to be reading up on how these things work.

 

find proof that aqua did default you

demand capquest remove the entry if the default is older than 6yrs.

SB is 6yrs no payment

nothing to do with the defaulted or not date

[shellbells1982]

Right, ok thanks

[unclebulgaria67]

The longer the gap between debt collection and when the accounts were taken out originally, the more difficult it becomes.

As long as the CCA's were issued pre April 2007, then debt enforcement is difficult, as the original CCA is needed, if a court claim is defended.

 

No CCA request compliance means no payments, which they realise.

They will struggle to get hold of them.

You may never get a reply or it will be months later.

Your debts may just be passed on.

If they threaten, advise them that a CCA request made on x date to x has not been complied with.

[ericsbrother]

silence is good so dont be asking them to send it!

[shellbells1982]

Exactly!...I definitely won't be

[shellbells1982]

None of my CCA's were ever provided

 

I've now had the Vanquis/Hoist Portfolio, JDWilliams & Oxendales/Lowell's accounts drop off my credit file

 

A SAR is currently in progress with NatWest for the MasterCard account defaulted with them in 2016. I receive regular texts and letters from Cabot requesting me to get in touch. A CCA request was sent, they replied and its never been received.

 

My issue is with CapQuest and an old Aqua card account taken out with them (RBS Bank in 2006). I cannot find a copy of the default notice from Aqua, (I definitely received one) and it no longer shows up on my credit file. CQ has not come forward with my CCA request, when I disputed the entry with Experian CQ lied and said they supplied me with it.

 

I defaulted on the AQ around 2011 I used to pay them an agreed £5 p/m until CQ took it over in 2014 (looking at bank statements) and I paid them £5 p/m via SO up until 2017 - as per the start of this thread

 

Aquacard - now New Day haven't responded to my SAR. I sent this Oct 2018. The 40 days is up

 

CQ - wrote to me saying my account is now being managed by NCO Europe. And are now registering -number of months late payment on my CF

 

Any suggestions on where to go from her regarding CQ?

 

Thanks

[shellbells1982]

NatWest SAR received today (electronic PDF file) they've provided nothing at all in regards to; when the account defaulted, payment agreements I had with NatWest directly from 1st default, when passed to DCA, what DCA etc, etc. Basically all the info I exactly wanted for the MasterCard.

 

I thought with SAR's as it states, more than once that you're requesting everything that they have in relation to X Account (?)

 

Obviously will go back requesting the missing information