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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..

 

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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..

 

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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..

 

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Hopefully one last question.  

I’ve found the original paperwork from NatWest that Moorcroft are writing to my husband about.  

This was a joint loan but they are only writing to my husband so I guess they’ll write to me shortly.  

 

Should I actually write to NatWest with our new address doing a separate letter for each of us or in the case of my husband should he write to Moorcroft and I write to NatWest?

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ignore Moorcroft, they don't buy debts.

only write to their stated client, if that's NW.?

 

 


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

 

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I’ve posted letters to each creditor.  

I kindly asked my daughter to take them to the post office, send them 2nd class and get proof of postage.  

She forgot about the proof of postage only getting me a receipt stating cost of 2nd class postage.

 Hope it won’t be a problem.

 

Also Moorcroft are texting my husband on a weekly basis.  

They’ve not tried ringing.  

If they do ring should he tell them he’s written to NatWest or she just tell them nothing.

 

Many Thanks

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flag/report the text as spam and block the number.

no never converse with a dca via any method other than by royal mail letter

and in this case, they don't own the debt so don't even get that honour.

 

dx

 

 


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

 

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Just a quick update.

 

One of the creditors we wrote to (Picture) have thanked us for updating our address with them but as we didn’t sign the letter they won’t change it on their system and have included a document for both of us to sign to confirm our current address.

 

How do I proceed.

 

Thank you

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what is the status of this picture loan please

full story

 

dx

 


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

 

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It was taken out roughly 2004 and secured on our house.  

We moved in 2007 and the security transferred to that house.  

That house was repossessed in 2014.

 

 Last payment was roughly June 2014.  

They send yearly statements but that’s all we’ve ever heard.

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nothing they can really do then.

next time don't allow a debt to be transferred over to a CO on the new house

you are under no legal obligation to do so.

 

so not too far from SB date then..:bounce:


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

 

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It was a secured loan.  When we moved there wasn’t enough equity to pay it off so they allowed it to be secured on the new house.  We couldn’t have moved otherwise.

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