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CRS/Instant Cash Loans advice please.


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Hi Guys. 

 

In 2016 I had a PDL with The Money Shop.

 

Due to financial difficulty I stopped paying it in January 2017.

 

Recently out of the blue I started receiving emails from CRS about the debt. They were duly ignored.

 

Within them was an email about sending me a Letter Before Claim (they didn't) as well as a couple of repeated emails about the implications of a CCJ. They have my address and I haven't moved since the debt was accrued. 

 

A couple of days ago I received a letter from AJJB Law being very disappointed in me for not replying to CRS and telling me that their client is entitled to possibly pursue proceeding without further action.

 

Usually I would send an IRL claim to InstantCashLoans, but with them in the hands of Administrators that is no longer possible.

 

Also worth noting that on my credit file the debt is marked as owned by ICL - Trading as TheMoneyShop. This has been marked as 'Delinquent' every month since Jan 2017. There is no default registered.

 

So, whilst I am kind of sure that I'm still safely in the 'ignore these chancers' category, I was wondering if anyone had any advice on if I should perhaps tackle this in a different way?

 

Also, if the debt on my credit file is just marked as delinquent when will it fall off, if ever? 

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you've not moved

so until or unless you get a letter of claim via royal mail you ignore them.

 

as for anything on your credit file it should fall off after 6yrs.

 

dx

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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