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old CCJ Approaching 6yrs - claimant Spreadex sent email stating 'will issue court proceedings' - in 14 days .


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Thanks DX,

I just wanted to clarify what i need to do/send as the hyperlinks can be a bit confusing.

 

send a CCA request (using the PDF on post 2) CCA Request - Consumer Credit Act 1974 **Updated January 2015** - Debt Collection - Consumer Action Group

 

statute barred letter stapled to it. And also i need to send "Reply to PAP" PDF on post 2, typing the info given in the same post?

 

On the CCA thread DX, in post 3 you have written:

 

for ref:

 

Fixed loans are section 77

 

credit cards and catalogues are section 78

 

HP agreements are section 79

 

I don't think Spreadex is covered by any f these?

 

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12 hours ago, dx100uk said:

click letter of claim

and follow post 2

 

because the debt is statute barred

staple another copy of our SB letter to the filled PDF we give 

 

 

forget the CCA request, the debt is SB'd

i wouldnt even bother with the list in I at all take them away

you don't need any paperwork returned on an SB debt.

 

lets see what they do.

 

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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I've just received an email from them in response to the SB email I sent them:

 

Dear Mr ********

 

Thank you for your email.

 

It is clear that you have misinterpreted sections of the Limitations Act, surrounding statute barred debts.

 

In particular: "...a firm must not attempt to recover a statute barred debt in England, Wales or Northern Ireland if the lender or owner has not been in contact with the customer during the limitation period." 7.15.4.

 

The above explicitly states lender OR owner, not Lender AND Owner.

 

Whilst you have tried to evade contact for a rightly and legally due debt, Spreadex has kept contemporaneous diary notes of all attempts to contact you regarding repayment of your debt over the last 6 years, which will be submitted as evidence in Court if necessary.

 

We are therefore satisfied that your debt is not statute barred and should be grateful if you would forward a proposal for settlement.

 

Regards

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Quote

The above explicitly states lender OR owner, not Lender AND Owner.

 

:???:

 

 

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well they are wrong.

them writing letters does not reset the SB clock

 

pretty pathetic company if they dont even know they've already issued a CCJ and have default judgement...:pound::lol:

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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Posted (edited)

thanks for the replies...relieved to hear this.

 

Probably not relevant, but I wouldn't say I have tried to "evade contact" as they had my email address and I updated my address in the online account at least twice.

 

also apart from this recent notice, i don't recall receiving anything from them chasing up the debt, only online statement emails

 

So what should I do now, still just send the letters as advised by DX or?

 

 

Edited by WanTToMoveOn
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yes cause they seem totally blind to the old CCJ.

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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thanks DX.

 

So I send the reply to reply PAP PDF, ticking D " I dispute the debt because it is statute barred"

 

I ignore "I" and everything else, and just date and print name.

 

I enclose the statute barred letter with it.

 

Silly question but at the top of the PAP reply form, where it asks for details. Full name, address, post code etc....is this my details or spreadex's?

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well they know who they are.................think about it ....do not give them email/phone nor sign

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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I did assume it was my details, just wanted to be sure...in case used in court to show it was addressed to them.

 

Thanks DX will do the rest as suggested

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letter was sent today. In regards to the email, should I respond saying I have sent a letter in the post, or just ignore it?

 

Guessing I do nothing more, but just want to be sure

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you never respond nor should give fleecers an easy way to harass you.

just think, if they didn't have it or it went to junk you'd no know either , its a free way to harass people that legally can be ignored esp if you've never updated it nor given permission to use it.

 

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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  • 2 weeks later...

Hi guys,

 

I haven't heard anything back from Spredex and the debt has dropped off one of my credit files.

 

Just a quick question, as i have two remaining debts on my file, both with Lowell who wrote to me last year confirming they would not be pursuing the debt . 1 is a CCJ and the other a default.

 

Is there anything I can do to alter my credit report?

 

thanks

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no unless the defaults were registered weeks/months after your last use/payment?

whats the date of the other CCJ? and are both aware by writing of your correct and current address if its ever changed and you have not already done so .....?

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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Hi Dx,

can't really say how long after last use/payments the defaults were issued

the CCJ was filled 13 march 2018

the default date for the other is marked as 24 August 2018

 

Sorry, I am a bit confused about the last part of your post 

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Have you ever moved since taking these two lines of credit out?

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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Share on other sites

then you need to be informing lowells on both of your new address in writing and any other debts that you have whereby you last used/paid that line of credit ..

 

would have though two backdoor CCJ's was enough for you don't you think...never run from debt...

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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Posted (edited)

they have my current address, which is where they wrote to me to say they have closed both accounts and will no longer be pursuing the debts after I had contacted them to try and arrange something.

 

I didn't update at the time due to circumstances

 

Was just enquiring to see if I could have the default marked as satisfied or anything else

Edited by WanTToMoveOn
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a satisfied default is as good as a non satisfied one, exactly the same as a settled CCJ, it's there for 6yrs regardless to any payments.

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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