robbersway letter re old santander OD debt - shall i Start repayments after 4+ years of no contact?

[dx100uk]

what are you mad...

 

a dca is not a bailiff

and has

ZERO legal powers on any debt.

 

 

[dx100uk]

Full history please

a doorstepper is powerless...

 

 

[dx100uk]

have you moved since you last paid this an never updated satans bank upon you new address or since its been sold to hoist?

 

dx

 

[dx100uk]

can we check who robbersway state is their client please??

if its hoist then you need to write as the debt has been sold to a DCA backdoor CCJ dangers here

as you should with any other debts outstanding that you paid or last used within the last 7 yrs say.

 

just because you are on the electoral roll doesn't prevent legal action to an old address if the debts been sold on

its how DCA's get 99% of CCJ, 1st you'll know is the court bailiff at your door or refusal for credit 

[dx100uk]

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.

 

 

[dx100uk]

your best move here is to get reading up on CAG 

no don't start payments no .. you'll reset the sb date when p'haps nothing is owed at all or nothing they'd successfully litigate over.

 

bank OD debts are notoriously difficult to secure a CCJ on if defended properly as they in most cases generally consist of penalty charges for breaking some limit or other rule and the associated interest these attract, and the authorities are down on record as stating such charges are unlawful etc etc.

 

the debt buyer [hoistuk] paid about 10p=£1 for the debt bit will ofcourse chase the whole sum hoping to find a mug that pays!!

or as in your case send 1 letter to the current cra file address then be smiling when they don't get a response as they know they'll get a default backdoor CCJ for that full amount [tidy profit here -even bigger smile] because no human ever checks anything its all automictic.

 

some 750'000 CCJ's are issued every year.. 85% are successful because they are backdoor.

 

paying a dca does not stop them doing court, 

 

as this debt is not showing i'm wondering if your dates could be slightly wrong and in fact the OD was defaulted more than 6yrs ago so would now not show on your file anyway?

 

 

[dx100uk]

just type no need to hit quote.

makes a topic twice as long

 

no you must reply 

and do the same for any other debts that meet into post 11

 

all credit files are free online

not sure why you are having to wait???

 

[dx100uk]

you cant defend against a backdoor ccj..you don't know about it happening 

think about it......

 

which would you prefer...one you cant defend against

or one that MIGHT happen on a debt they will probably fail to win on....IF IF IF they ever did issue a claim....

 

don't get your logic….

[dx100uk]

they cant go for a backdoor ccj once they have your new address details...

pop is good enough, you don't have to prove you sent it but yes that's what we recommend...

[dx100uk]

no you are simply informing them [and the others id you need too]

of an address change.

 

they and any other debt/dca would now have to abide by the PAP rules

and send you a letter of claim giving 30 days.

that they might be thinking about a court claim.

you ignore everything else until/unless you get a PAP LOC

 

where as before you'd get nothing

[dx100uk]

there is no signed agreement on OD's.

 

[dx100uk]

you cant CCA an OD its not credit covered by the act.

[dx100uk]

and what is the point of a prove it letter..NONE! 

 simply invites letter tennis.

 

the next move, after you inform them and any others that own debts you might have paid within say the last 7yrs, of your correct address, is not yours.

[dx100uk]

no harm in ringing the OC and asking last payment date

[dx100uk]

oc's are quite safe to call

its DCA's you never use the phone with.

 

if satans bank say they cant give you the info.

 

the 

prevention of fraud act

and

the data protection act

 

both clearly state they MUST hold information for atleast 6yrs.

 

so you either want them to

 

1: confirm any info they have is over 6yrd old

or

2, the last payment date

 

should they refuse to confirm either 1 or 2 above

then state you will be straight onto the ICO following this call to raise a serious complaint against them and be seeking financial compensation.

 

if you need to, ask to speak to a supervisor.