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    • you never use or give an email  2nd class stamp with free proof of posting from any po counter dx
    • Much appreciated for the ammendment. The snottier the better right!   What I am assuming is that this response is to be posted to Gladstones? However, I am seeing some users sending this as an email instead, which is a little confusing.  If we're happy with this response, what would you suggest is the best way to send it over to them (post/email), and is there anything additional I could include (if necessary)?  Thanks again! 
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Arrows/Drydens PAPLOC - old Virgin Card Debt.


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Hello,

 

I received a letter from Drydens chasing an old debt, I believe it to be around 5 yrs old.

 

I will send the CCA request off but wanted to confirm that is what I should be doing at this stage. I have attached the letter received.

 

Thanks in advance

 

T

 

2022-07-04 Dryden re virgin money plc debt.pdf

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Are you in Scotland?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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whats the debt all about 

ever had any other letter

have you moved since taking this credit out and not informed the OC or the DCA of your new address?

 

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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Not in Scotland.

 

I did have a virgin card (around 2015), Had a letter from Arrows saying they are transferring it and before that had some letters from capquest. This is the 1st letter from drydens.

Have not moved.

 

Thnx

T

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When was last payment or acknowledgement

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • dx100uk changed the title to Arrows/Drydens - old Virgin Card Debt.

then its not statute barred

 

sit on your hand 

if you ever get a letter of Claim

comeback to this thread.

 

you must not ignore a letter of claim.

 

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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Share on other sites

Hit letter of claim.

Follow post 2.

 

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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Share on other sites

  • 1 year later...

Hello,

Repoened this post as have received another letter (identical to the initail one) from dryden.

Haven't heard anything back apart from acknowledgment when I responded as advised over a year ago.

Presume I respond with same as advised in post #10.

Many thanks

 

T

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Did you establish when last payment or acknowledgement was.?

Also by what date do you have to respond. ?

If it was 2017 like you think, bank statements might help, then l think they are clutching at straws.

If it was then by the end of year the debt will be 6 yrs old and SB. 

If with the same bank see if you can find a date the last payment was. 

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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its not sb 

follow post 10. 

 

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • dx100uk changed the title to Arrows/Drydens PAPLOC - old Virgin Card Debt.

hit letter of claim

follow post 2

reason from thread: despite a previous LOC and my ReplyAnd a CCA request , the claimant has still failed to supply any documentation whatsoever.

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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  • 1 month later...

Hello

I have received a response attached. Should I register to see the documents?

I also note on the paperwork they provided asking for income my D.O.B is incorrect, not sure if this matters or not. I also ideally don't want to email them.

Any advise, pls?

Thanks

Drysden CCA Response 12.12.23 - Redact.pdf

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Write back telling them to post the documents to you. 

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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please dont write back

it only makes them feel important.

if they want to take this fwd they will send them or raise a speculative court claim.

it only makes you look frightened of them if you write.

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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yes rinse and repeat.

despite 2 previous LOC's and my Replies And a CCA request s, the claimant has still failed to supply me directly with any enforceable documentary proof whatsoever.

  • Like 1

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

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