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Morning All,

 

I have an issue with an old txt loan that shows as appeared on my credit file around 2014/15. Original loan was taken out 2012, a time when my partner was unable to work through illness, we both took out payday loans, wonga txt loan and provident etc. All of these debts have now gone, but this one remains as a reminder of those days. The details were always a bit weird on my file as it was made to look as though I had made a payment towards it but never did.

The debt is very close to being statute barred but now it has disappeared from my file, it's registered at one of my old addresses and I'm concerned that a CCJ will be issued at the old address. I really don't know what to do about this, should I make contact and open up an old wound, make a payment plan or take a chance and leave it?

 

Any advice would be much appreciated,

 

Thank you

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What is the value of the debt? I certainly wouldn't be considering making a payment plan at this point but I would be concerned at the possibility of a backdoor CC J being obtained. I think I would start investigating it, finding out what it is about, who it is with – sending off for a CCA and seeing if it is either statute barred or unenforceable.

 

I think you probably need to let them know your new address so that you can make sure that you receive any papers.

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Hi BankFodder,

 

That is my concern too and that is why I wonder the best thing to do. I have details of dates etc from old emails.

All letters were lost.

 

The original loan with TXTLOAN was for £300 with interest and charges added it was increased to £692,

that was reduced to £554 presumably when MYJAR took over, and those are the details that were on my file.

 

I wouldn't be able to pay back much as on UC and PIP myself now.

 

Thank you

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Ensure they have your current address, this puts a stop to them getting a back door CCJ.

 

Also keep your credit file updated with your current address.

 

As for paying them anything, NO!

 

Get them to jump through some hoops before even considering paying anything.

 

If your sole income is UC PIP, then the MAXIMUM these vultures will ever get you to pay, is £1 a month,

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi Bazooka Boo,

 

yes my credit file is up to date with current address,on electoral register etc all is above board.

But how do I go about contacting them, this is almost 6 years old ?

 

Thank you

 

Do they have your current address?

 

If so, then DO NOT contact them, there is absolutely no need.

 

Just because it's still on your CRF doesn't mean it isn't already SB.

 

Have they ever corresponded with you at your current address?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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MYJAR don't have my current address, they have never corresponded with me at my current address.

The last contact from them was via e-mail in 2015, this was to issue a default notice which had already been issued in 2012 by TXTLOAN.

I last contacted them roughly 5 years 11 months ago.

The account defaulted 6 years ago in September

 

Thank you

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Ask for a CCA and on 25 May send an SAR

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and do the same for any other old creditors that don't know your correct address.

 

you say the default was sept but when was your last payment to them, regardless to any 'contact' you made

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Hi dx100uk , there are no others on my file the rest have gone, wonga was written off and others dealt with or dropped away so this is the only one left.

 

This was the last of the loans I had, on 26/05/2012 it was for £300 ( credit limit increased from £200) I didn't pay anything on this one.

 

So the last payment to them was £234 (for a £200 loan) the day before on 25/05/2012.

 

Thank you

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So in a week or 2

it's sb'd

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Yes, it's very close. It dropped off my credit file early, this month, this is what concerns me as I wonder if MYJAR will take some action.

The original default is in September so it should stay on my CF until then?

 

Unless MYJAR are planning to take it to court or to reinstate it on my CF with the later default date that they issued in 2015.

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they cant do that.

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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You mean the default thing?

The entries that were on my file had a default date in september 2012 that was also the date txt loan referred me to a debt collector.

september 2015 I received another default notice via email

but from MYJAR they were threatening me with court action too,then making out it had already happened it was all very strange

I just thought maybe they will try it on ?

Edited by stress_head
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they cant a debt can only be defaulted by the original creditor

[that'll be when they sold it on.

no other can change that date ever.

else you complain to the ICP

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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  • 2 weeks later...

12+2 working days

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Thanks, looks like their time has expired?

 

Is there a letter to send for not responding to a CCA request?

 

and if I send a new SAR now,

 

I need to sign, provide all addresses since the account opened and a copy of a Council tax letter with my current address on as ID proof ?

 

Sorry for all the questions, just need to make sure I am doing things right,

 

Thank you

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Is there a letter to send for not responding to a CCA Requestlink3.gif?

 

 

No, you don't need to inform them, they know the rules, just let sleeping dogs lie.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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if I send a new SAR now,

 

I need to sign, provide all addresses since the account opened and a copy of a Council tax letter with my current address on as ID proof ?

 

Sorry for all the questions, just need to make sure I am doing things right,

 

Thank you

 

only if you've moved read the sar and its post carefully

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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