Jump to content


took out DRO in 2018 now After not hearing from any of my creditors capital one is asking for payment


microbar
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 404 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello all,

As the title states I took out a DRO 4 year ago As I had a long term illness and lost my job.

Yesterday I received a letter out of the blue from capital one asking for payment for an  account I am  sure was included on the DRO

I have had no other letters from them since the DRO.

I cannot find my DRO papers at the moment due to a house move. 

My question is can I get in touch with the official receiver for a copy of my DRO,

The Dro was organised by step change,

thanks for any help you can give me. 

 

Link to post
Share on other sites

original creditors dont do court so i'd not stress out about it.

 

your credit file might be of use.

 

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... 

Link to post
Share on other sites

Yeah thanks for that I looked at my clearscore file and the capital one debt doesn't show on there.

Its funny they have come out after saying nothing for four years I thought they would have to send out a statement of account every six month.

Link to post
Share on other sites

nope.

when was the last time you think you paid them before the dro and in the dro?

you need to SAR the dro provider and findout what is going on.

and can't hurt sar cap1 too.

 

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... 

Link to post
Share on other sites

so I sar step change who arranged the DRO for me as well as crap one.

Thanks again. I paid them a token payment up till the DRO was in force january 2017

 

On looking at two credit reports Equifax and clear score there is no record of a debt with capital one.

The file also says it is 61 month since a negative report was filed on my credit file.

 

surely if I still owed anything to capital one after my DRO January 2017  this would have shown.

 

I now intend to send capital one a SAR. Would be grateful for any further actions I need to take thanks again.

Edited by microbar
Link to post
Share on other sites

as long as the cap1 debt is the same ref no. as the one in the DRO then it should have been quashed years ago as the DRO lasts 1yrs. so as you say no show of anything on credit files, and regardless if it is, it cant comeback on your file.

 

i'd await the sar returns.

 

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...