Old debts - Moved house

[pilch23]

Thank you. I have some other debts, to ensure no further backdoor ccj's should I CCA the original debtor and advise change of address? Send recorded so I have proof?

[dx100uk]

the CCA will have your new address on it

if they don't note it

that's their problem and your perfect set aside if they do get a backdoor CCJ.

 

no you don't need recorded.

can be sent 2nd class with free proof of posting from PO counter when you get the£1 Po's

and pop one in each ready to go envelope..job done.

[pilch23]

Couple of questions.....

 

I am writing to all my debtors today to advise change of address in writing, do I need to send registered post? Do I need to sign letter?

 

Cabot have now written to me at new address with regard another debt, do I CCA this debt with them?

 

I am going to make monthly payment and just accept CCJ for next 6 years, if I manage to make larger payments and settle in say 3 years, how do creditors look at satisfied CCJ ?

[dx100uk]

a CCJ is the same settled or not

it normally always kills credit certainly a mortgage.

 

 

what are these other debts

[pilch23]

Credit card debts

[dx100uk]

CCA request to each then

serves a dual purpose.

do NOT sign anything

 

 

are they all with fleecing dca's?

[pilch23]

Yes. Do I CCA original lender?

[dx100uk]

no. the debts have been sold

nothing to do with the OC's now...

the dca's [who you pay now]

 

why have you been blindly paying loads of DCA's

without once questioning these debts

no wonder you got a backdoor CCJ

they spoofed and led you perfectly into it

[pilch23]

I have made no payment to any DCA. Where have I stated that?

[dx100uk]

good I was worried!

 

 

dx

[pilch23]

So for clarity.....I have been caught by DCAs buying debts from original lender, using old address, I have not updated anyone, so need to.

 

Do I write to original lender advising new address? Do I CCA them also? Can I do in single letter?

 

I have one debt which has been allocated to DCA....do I CCA them?

[dx100uk]

you answered that all of your debts

were either owned by DCA's and/or you were paying a DCA.

so which is it? or both?

 

 

if a debt

[listed on your credit file]

is still owned by the original credit

and does not have the name of a DCA against it

- then there is little point in sending a CCA request to the OC

 

 

however, if you are paying a debt to a DCA

you need to send the DCA a CCA request

for each one they own.

 

 

that CCA request will serve two purposes

one..to inform them of your correct address

two. it puts them to strict proof they hold the paperwork

to legally demand money from you.

[pilch23]

All debts have fallen off my credit file as I'm guessing over 6 years since OC put into default.

 

I have moved twice since then and hence I am not getting any letters or paperwork if sold to a DCA, which I'm guessing they all have been.

 

So to advise change of address, my only option is to write to OC.

[AndyOrch]

" All debts have fallen off my credit file as I'm guessing over 6 years since OC put into default "

 

Then why bother sending a CCA ?

 

Any debt that is less than 3 years default and with a DCA requires your correct address

[pilch23]

Gents, I'm sorry but I'm lost here.......I'm trying to ensure a DCA doesn't get another CCJ by sending court papers to an old address, which is how this thread started and they were successful because I was unable to defend.

 

I have other debts, they do not appear on my credit file at all, they are over 6 years old but not statue barred as made token payments to OC up until approx 2 years ago.

 

I have never paid anything to a DCA or spoken to them, but they are the ones that issue the Court Papers for the above debts.

[AndyOrch]

If there not statute barred...CCA to DCA and change of address.

[dx100uk]

ok well what looks like has happened,

certainly on one of the debts....

is that it was sold on, the dca would most certainly as would the OC

written to your last address

with Notice of Assignment etc etc

then found they were onto a winner

and went for a default judgement and got it.

 

 

IMHO to prevent this on the other debts

its p'haps worth sending a CCa request to each of the original creditors then.

 

 

this will serve a dual purpose much the same as detailed earlier.

it will certainly inform them of the correct address

and you'll poss get letter back & new ones from the DCA's if the debts have been sold.

 

 

ok you'll have to deal with each and its situation as paperwork returns..

but atleast it will prevent anymore default judgements.

 

 

dx

[pilch23]

@Andyorch

Thank you, final questions hopefully....Debts which I am unaware of DCA do I write to OC advising change of address?

 

Can I CCA and do address change in single letter?

 

@dx100uk

Thank you

[AndyOrch]

Thank you, final questions hopefully....Debts which I am unaware of DCA do I write to OC advising change of address? Why not ring them first and enquire if the debt is still with them...not assigned and date you last made a payment ?

Can I CCA and do address change in single letter?

Your CCA request will have your current address ...if you want a response ?

 

 

Andy

[pilch23]

CCA some of the DCA's and Cabot are returning postal orders saying the payee is not filled in!

 

I have sent back now completed but advice stated I should leave blank....delaying tactics?

[dx100uk]

blank uncrossed

[pilch23]

And they are returning

[pilch23]

Cabot have responded saying they may take 40 days to respond to CCA request......do I respond saying you have 12+2 days or do I have to give them this?

[AndyOrch]

They know fully well its 12+2 ...no need to write further ...they are in default.

[pilch23]

Hi

 

Have some old debts (10 years plus), moved home 2 years ago and visible on electoral register but no longer get any threatening letters.  To be honest, the debts moved around so many DCAs the majority were sorted but likely some stragglers.

 

I don’t want a back door CCJ, should I write to all to advise new address?