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

[microbar]

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. 

 

[dx100uk]

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

 

your credit file might be of use.

 

dx

 

[microbar]

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.

[dx100uk]

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

 

[microbar]

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 January 20, 2023 by microbar

[dx100uk]

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