Help required regarding debts

[Sirbob00]

In 2013 my husband became ill and lost his job.

In July 2014 we stopped paying all our non essential debts.  

We allowed our home to be repossessed.  

We also had a secured loan and a charging order.  

We stopped paying those too.

 

Over the years we’ve had letters regarding the debts but I’ve just ignored them.  

I’ve signed up to see our credit report and can see the defaults recorded on a few of the debts but some don’t appear.  

The 6 years is almost up (roughly 6 months before they become barred)

 

letters are now coming quite often now.  

I think it’s because it’s not long before they become barred.  

 

Am I OK to keep ignoring?  

My husband doesn’t work and is on ESA and PIP and I’m his carer.  

We have very little money and 3 children at home although 1 almost 21 at Uni and also a 17 and 15 yr old both in education.

 We rent our home and have a mobility car.

 

Im also just wondering though with the charging order as it was secured but obviously not now as nothing to secure on does the 6 year limit still apply as I had read about it being 12 years.

 

Its Moorcroft that’s just started writing to us regarding the charging order and Cabot for the other debts.

 

Many thanks for any advise.

[dx100uk]

have you informed all these DCA's that own these debt in writing of your correct and current address?

 

as for people like Moorcroft, they don't buy debts, they only chase for clients, it is them you deal with if needs be.

 

dx

 

[Sirbob00]

Hi.  No I never told them we’d moved.

[dx100uk]

opps

you need to protect against backdoor CCJ's.

 

last payment or usage date within 6yrs on any of them?

 

[Sirbob00]

Last payment on any of them was June/July 2014.

[dx100uk]

so not SB'd.

 

you need to write to the owners of each debt and inform them of your correct address.

[Sirbob00]

They already know where we live as we are receiving the letters to our current address.

 I have just never responded to any of them.

 They have offered reduced amounts to settle but we just don’t have any money.

[dx100uk]

them writing to you at your present address will not stop backdoor CCJ's being registered to an old address.

you'll know nowt about till a bailiff comes a'knockin' 

 

you should never run from debt.

[Sirbob00]

I’ll wait for the next letters then contact them.  

My can’t work and I’m his carer.  

[dx100uk]

deal with them

make them go away ..it's easy.

 

far better than dealing with a court claim that might make things 1000's worse mentally for your husband from now.

 

theres nothing they can really do

a DCA is NOT A BAILIFF

and have ZERO legal powers on ANY DEBT.

 

but must always be fronted out else they will not go away.

 

 

 

 

[Sirbob00]

I was hoping to try and ride out the next 6 months then they would be SB.

 

My husband and I aren’t bothered by any court claims.

 It will just make us put our plans in motion sooner.

 

Thank you for your assistance. 

[dx100uk]

what's them being SB'd got to do with it?

 

dx

 

[Sirbob00]

I thought if after 6 years of me not paying or contacting them they cant chase anyone or have I got it wrong 

[dx100uk]

and who's going to tell the court that if the DCA issues a backdoor claim you know nowt about because it all goes to an old address?

[London1971]

Every single day that you do not write to them informing of your current correct address is a day where they can file a County Court Claim against you, without you even knowing about it until it is too late and stuck on your credit file for another 6 years as a CCJ.

 

All that because you couldn't be bothered to type a few letters, and buy a few stamps and take a trip to the post office. Sounds harsh? It's meant to. !  

 

[Sirbob00]

Yes you’re right.

 We couldn’t be bothered.  

 

Our lives ended when he got sick and I became his carer.  

We have a back up plan which will work well for us.  

 

I’ve just been checking our credit reports and for me I can only see 2 defaults,

1 for the mortgage and

1 for a credit card for £557 

although on my husbands he has got a CCJ registered at our old address even though they wrote to us where we live now.

 

 

[dx100uk]

yea it looks like it too

thats why he got the restons/arrows CCJ in your other thread here...…..

which could have been avoided had you written when you moved..

now can you see why its SO important?

 

things not being on your credit file means NOTHING.

if the credit was used/paid within say 7yrs you should be writing to the current owners..

 

 

 

[Sirbob00]

that CCJ will be coming up 4 years.  

I sent back to the courts the attachment of earnings but when I rang they said it was closed as my husband didn’t work so they couldn’t attach to anything.  

I’ve not heard from Reston’s since.

[dx100uk]

well update that thread then please.

it will help others like you.

dx

 

[London1971]

8 minutes ago, Sirbob00 said:

Yes you’re right.  We couldn’t be bothered.  Our lives ended when he got sick and I became his carer.  We have a back up plan which will work well for us.  

 

 

 

That is understandable, my wife got sick, we ended up with a load of CCJ's and a whole lot worse.  I remember thinking I just can't be bothered, with retrospect that was a bad decision. Especially since we have kids to support.

 

Great, you have a back up plan, but a few Change of Address letters sent to your creditors now means that you can ignore anything they send you afterwards unless it's a PAP letter. 

 

 

[London1971]

3 minutes ago, Sirbob00 said:

that CCJ will be coming up 4 years.  I sent back to the courts the attachment of earnings but when I rang they said it was closed as my husband didn’t work so they couldn’t attach to anything.  I’ve not heard from Reston’s since.

 

Correct, an  AOE is unlawful for unemployed, sickness Benefit, Armed Forces Members and Self Employed. 

[Sirbob00]

So even though they are writing to us at our current address do I still write confirming where we live or should I now just acknowledge the letters.

[London1971]

Just confirm where you live.  Get free proof of posting from the Post Office.

 

 

[Sirbob00]

We have no documentation for any of the debts and I know one of them just came off my credit report as the default was 6 years old so I’ve no idea who had took the debt on.

 

 I know Cabot is one of them for me and Moorcroft and Cabot for my husband.  

Hopefully they’ll write again soon so I can confirm  we live here.

 

Also I take it we can’t dispute one of his CCJ’s as being at the wrong address as we didn’t tell them our correct address even though on his credit report on 1 section they have the correct address but under Public Information it’s our old address.

[dx100uk]

they don't have to check anywhere, they can get the court to serve court papers to the last address YOU told them or which was on the original agreement/contract, as that is deemed the correct address legally for service UNLESS you tell people otherwise.

 

i suggest you use our search top right

type in backdoor CCJ

and READ.

 

you'll see why.

 

this was al made perfectly clear in the CCJ thread you have +2yrs ago.

 

it might pay you to contact Payplan and get them to send you a copy of your file.

or send them a free SAR.

 

all you have had to date are phishing letters to see if you continue to ignore the dca's

that normally is a pre cursor of them hoping you don't then they issue a court claim to the last registered address against the account.