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Sirbob00

Help required regarding debts

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OK so I’ve mucked up by burying my head in the sand to long and not following the advice given.
 

I might have some Pay Plan paperwork so that will list all the creditors at the time.  

 

I’ll write to each one of them but for those that I’ve never heard from since stopping payments am I not causing more problems for myself.  

 

I thought I’d read that after 6 years of no contact or payments then the debt becomes SB and if I write to them the 6 years starts again.

 

Also even if they did have my correct address would they still not have been able to get a CCJ.

 

Thank you for your help 

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nothing can reset the SB clock not even a judge.

 

 

but you need to be aware that if a court claim is raised against an old address then its called a roboclaim.

i'e ...NO HUMAN at the court checks or sees anything...which is why its called northants bulk court, its automictic all done by computers.

 

a DCA couldn't care less if the debt is SB ...cause they know no-one will check anything.

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi.  I’m back.  I’ve managed to find information to write to our creditors.

 

In the letters do I advise of my husband’s situation of poor health and we survive on benefits or do I just write to them and confirm that they have the correct address.

 

Many Thanks

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Correct address only.

 

For now.


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You simply inform change of address

the rest is none of their business

dont forget

use their ref no. And refer to oc and their org number too


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Is OC Original Creditor and ORG number the original reference?

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:rockon:

and don't ever sign the letter 

just type  your name


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Sorry but I’m not sure what to do.

 

As advised I wrote to all creditors officially advising of our current address even though a few were already writing to us so they obviously found us.  

 

I was reading a post on Facebook and someone who admin on the group has said they shouldn’t write to any creditors advising of their current address as it’s acknowledging the debt and may reset the 6 years of limitation.

 

is this correct?  

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std stupid facebook twaddle

ofcourse its not acking any debt

 

whomever said that wants shooting and fronting out

so they'd rather their readers get a bundle of backdoor CCJ's then..idiots all of them..:crazy:


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thank you.  I wanted to comment but didn’t.  He said why tell them your current address if they were already writing to you at the address.

 

sorry I just got a bit worried.  I’ll be leaving that group.

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pers i'd point it out to him in public.

 

the fact that whoever is already writing to someone with phishing letters

having gotten the correct address from say your credit file

does NOT protect you against backdoor CCJ's

 

unless you write informing your creditors or debt owners of a change of address they can and WILL legally issue the claim against the last address registered for the account.


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi me again.

 

Was speaking to Nationaldebtline.org and they asked about unsecured debts and if any payments or contact had been made by me or my husband.  

 

I advised when payments were last made (April 2014) and I wrote to them advising of new address in January 2020.  

He said unfortunately this is classed as acknowledging the debt and I have reset the clock.  

He said he wouldn’t have advised writing to them so close to becoming stature barred.  

I screen shot the conversation but not sure if I can add pictures.  

 

I said I’d only heard from 2 of them, 1 being the mortgage company and the other the secured loan who said they would change unless I signed which I didn’t.  

He said the 12 years has been reset with these 2 debts.

 

Im really stressed to bits and no clue how to process.

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I wrote to them advising of new address in January 2020.  He said unfortunately this is classed as acknowledging the debt and I have reset the clock

 

 

No its not......the debts are statute barred if April 2014 was the last payment.

 

Andy


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I’m just really scared.  If these are trained people who are supposed to give people correct information why say I’ve reset the 6 years and they can chase me for another 6 years.

 

I did think though it these people who have acknowledged my new address (I found a unsecured debt that wrote back in January acknowledging the new address) then why haven’t they started chasing me already 

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NDL spouting absolute twaddle again...😮

what are you scared about?

 

dx

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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1 hour ago, Sirbob00 said:

 

 

I advised when payments were last made (April 2014) and I wrote to them advising of new address in January 2020.  

He said unfortunately this is classed as acknowledging the debt and I have reset the clock.  

 

 

This is either a lie or ignorance of the law. Incorrect!

35 minutes ago, Sirbob00 said:

I’m just really scared.  If these are trained people who are supposed to give people correct information why say I’ve reset the 6 years and they can chase me for another 6 years.

 

I did think though it these people who have acknowledged my new address (I found a unsecured debt that wrote back in January acknowledging the new address) then why haven’t they started chasing me already 

 

They are wrong!


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PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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On 07/05/2020 at 15:35, Sirbob00 said:

Sorry but I’m not sure what to do.

 

As advised I wrote to all creditors officially advising of our current address even though a few were already writing to us so they obviously found us.  

 

I was reading a post on Facebook and someone who admin on the group has said they shouldn’t write to any creditors advising of their current address as it’s acknowledging the debt and may reset the 6 years of limitation.

 

is this correct?  

 

This is actually dangerous misinformation.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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On our Facebook Group ...CAG ?


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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No not on your Facebook group 

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Thank heavens......you need to keep away from Sites that ill inform you and so called Debt Advice Services...its not good for your health :wink:


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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split some posts off as it's getting far too confusing with all these debts in one thread

this is a thread about your picture loan

 

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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natwest debts now here:

 

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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