nothing to be confused about
they don't have your new address
they've sent a phishing letter to see if you'll respond
if you don't they'll issue a letter of claim to the last address you let the original creditor know about
them 30 days later will raise a court claim and win by default.
Crazy as it sounds, a judge would see your lack of communication as evidence of you trying to avoid your debts therefore you would have no grounds to set aside any backdoor CCJ.
That's why you need to keep them informed
Many thanks for taking the time to reply. If I remember correctly, you helped me out back in 2013... wow, seems like yesterday, how time flies!
What do you think I should be asking the Trust for in terms of documentation?
The agreement has been assigned and the amount wrote to zero therefore the account has been terminated.The fact that they have not registered a default is in your favour in one way.,the lack of default notice and more so the lack of Notice of sums in Arrears prevents the creditor from charging any interest or even enforcing the debt through court, but it does not mean they have not defaulted you internally on their own systems...only DSAR could reveal this information.
Section 11 of the CCA 2006 amends the CCA 1974 - 86D - that sets out the consequences for a creditor if he fails to notify as required by sections 86B or 86C.
If the creditor fails to provide a notice when required to do so, then throughout the period of his failure (i.e. from the date that it was required to be given until the end of the day on which it is eventually provided), he is not entitled to enforce the agreement.
In addition, the debtor or hirer is not liable to pay any interest that relates to the period of the creditor or owner’s failure,
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!