Blindly been paying £1pcm on Four Credit debts since 2018 - doorstep threats - help!

[SylviaDay]

Hi everyone new member here

 

I'm looking for advice as Im having threats of home visits now with some of these.

 

I currently have 4 credit card debts from 2017/18 .

I submitted an offer to pay £1 per month in 2018 which I continued/continue to pay which I’ll list the current details of below for each debt .

 

Tesco Bank - Intrum

was paying £1 per month from (at least) 2018-April 23. In April Their system wouldn’t let me make a payment .

I called them up to be told the debt had been sold two+ years ago (but they’d still been accepting my £1 payments and refused to send a statement of payments made) Debt was sold to intrum and I received a letter this month from them which was just offering a 50% discount off the amount to settle the account... I haven’t been in touch with them or made any payments.

 

Vanquis-capquest/resolvecall

I had a standing order or dd  for £1 month from at least 2018 . In October 19 they cancelled the standing order and sold the debt to capquest. I have never had any contact with them nor made any payments to them. I’ve received a letter from them recently saying that the account will be managed by resolvecall who will make home visit. So last payment October 19

 

Aqua(new day?)- Cabot/Orbit

Again I had been paying them £1 per month from 2018 til May/June this year . All through the last 2and half years they kept sending me a letter stating I needed to have a payment plan and “it’s not you it’s us” whatever that means.  So I last made payment in May 23.

I’ve since had letters from them stating that they’ve asked “Orbit” to visit my home to put me in touch with their debt collection team.

I have not responded or been visited yet.

 

Barclaycard- PRA Group

I set up a standing order and been paying them £1 per month since 2018.

They have passed the debt on to “PRA Group” about 2years ago but I’ve never responded to the company who have wrote and told me to cancel standing order and pay them direct.

This continues to be taken £1 per month by barclaycard. 

 

Any help appreciated ,sorry it’s a bit of a minefield/essay.

The total of all the debts are approx. £2650

I can’t work due to sickness and my anxiety, which is obviously worse with the worry of home visits.

 

Thank you 

 

[dx100uk]

so all your debts have been sold on to powerless DCA's

a DCA is NOT A BAILIFF

and have

ZERO legal powers on ANY debt - no matter what it's type.

 

so any stupid debt collectors that might (yea yea) turn up, if they do ...film them on your phone

do NOT ENGAGE.

tell them to leave your property and never return else you'll call police 101.

 

shame you've blindly been paying £1PCM since 2018.....who'd advised that, silly idea to keep running the statute barred debt to infinity....

 

have you moved since taking each card our and not informed the Original creditor before sale or the DCA since sale?

pers i'd just stop paying everyone, then just await the deforestation thru your letterbox.

if you ever get a Letter of claim mentioning the pre action protocol (PAPLOC) with a reply pack wanting I&E etc pop back here

until then i've moved you to the debt self help forum ...1000's of like threads here to read .

never ever ever talk on the phone to a powerless DCA 

report all txt msgs to spam@7726

block bounce return all emails.

in short IGNORE THEM ALL.

unless a PAPLOC comes 

 

dx

 

[SylviaDay]

Thanks so much for the reply dx

No I haven’t moved address since long before these debts.

So I should cancel the Barclaycard standing order they’re still taking?(they sold debt over 2yrs ago and I’ve ignored pra group ) 

have blocked any emails and they don’t have phone no.

so I’ll follow your advice I’ll file all their mail and be vigilant for any paploc letter.

it was step change who advised me to do £1 pmonth back in 17/18.

It helps knowing they don’t have any /much power 

thank you Sylvia

 

 

 

[dx100uk]

much power ......no power at all. 

we have the same powers as them.

yes id stop all payments to anyone.

ruddy stepchange again.

sadly they are funded by the banks/dca's so what do you expect.

they never ever mention enforceability and simply advise blindly being a cash cow running the statute barred date to infinity.

dx 

[SylviaDay]

Thanks dx

Yes I vaguely remember s’change didn’t want to talk about enforceability when I questioned something ,but it all gets like a big overwhelming blur of info and worry when these companies are on your back. Didn’t know that info about them all makes sense now.

So the only power they now have is to harass me through postage or the power to walk up my path and be told where to go , that’s a relief. 

Does statute barred date go from any last payment made or when it went to £1 pm?  

At least one of them hasn’t been paid since ‘19 so that’s one bonus in a lot of mistakes I’ve made.

Thank you

[dx100uk]

sb runs from your last payment date. as i would suspect you got default notices years ago and they are all past their 6th b'day so the debts are now removed from your credit file. never to return.

but if a default notice is sent and latterly registered after payments have stopped, the SB date is DN+14 days should the debt not already have been defaulted.

[SylviaDay]

No they’re all showing on my credit file

I think some were listed as being from ‘17 too

[dx100uk]

what are each debts defaulted date?

if your payments are since that date, sb will run form last payment date +6yrs

however that does not change the date a defaulted debt gets removed from your file - that is still the registered defaulted dates 6th b'day. 

 

dx

 

 

[SylviaDay]

Thanks dx. 

The vanquis one is listed as being Arrow (though I only hear from capquest or resolvecall) and for some reason is only listed as default date 2021 which is strange as I’ve not paid it since ‘19

Others are Feb 18 Cabot ,

Oct ‘17 pra grp,

intrum Nov  ‘17

 

[dx100uk]

capquest are arrows just another trading name and resolvecall are simply a for hire doorstepping DCA but of course like all DCA's they have no powers whatsoever and are not BAILIFFS.

vanquis are notorious for not defaulting a debt in a timely manner, i hope this was before it was sold to arrows? have you a notice of assignment for when it was sold on?

so

intrum will vanish nov this year

PRA oct

cabot next feb

nice clean file then.

dx

 

 

 

[SylviaDay]

 

thanks dx. I can’t find one from vanquis but I found this from Arrow (if pdf has worked)

. I’ve also found about 8 letters from them from before march 2021 (the states default date on my credit file)

Also in the last year or so they sent a letter saying ‘here is info I should have received but didn’t ‘, that was basically just copies of old letters from ‘19 onwards

ResolveCall’s mind trick attempt with their name didn’t work I didn’t call or resolve anything

2019-10-28 Arrows NOA.pdf

[dx100uk]

you say the defaulted date in the summary line of this vanquis debt is after the date of assignment? ..urm.

so you've no copy of the vanqius  default notice and why arrows making ref to a request for documents heres more? di you sent them an sar or something?how did these docs come about?

you need to send vanquis an sar and find their default notice or its date.

dx

[SylviaDay]

Only thing I’ve found from Vanquis is a letter from Oct ‘17 accepting my offer of £1 per month and I remember now I did a CPA with my debit card. That went on ‘til 2019 when my card must have changed so stopped their payment. I don’t recall vanquis sending a letter of assignment or anything (but they may have and I’ve misplaced it/binned it)

On my credit file it’s listed as arrow global and date of default as July ‘21 .(all the debts are listed as dca’s not the original companies)

ive never paid nor had any contact with anyone from Arrow or their other companies,never sent a sar or cca

 as I say, last payment made on this was October ‘19 direct to vanquis by CPA

 

Edited August 29, 2023 by SylviaDay

[dx100uk]

sar to vanquis then.

dx

[SylviaDay]

Ok thanks dx I’ll send one

[SylviaDay]

Had a visit from Cabot employee yesterday. Asked my name so asked who he was ,told me he was from Cabot and he “just wanted to have a word with me”

i shook my head at him pointed for him to leave which he did. 

Also my sar was received by vanquis nearly 4 weeks ago,not had any reply of any sort as of yet. 

[dx100uk]

probably resolve call

let it run until of unless you ever get a letter of claim.

 

dx

 

[SylviaDay]

No was definitely Cabot (Aqua)saw his badge ...resolvecall came yesterday got same treatment door shut in face They’re for the vanquis one

,vanquis still not replied to sar request in a month of receiving it.

 

[SylviaDay]

You I received a letter Tuesday from capquest re. vanquis credit card debt informing me the account would now be dealt with by dryden solicitors. 

 

Received a threatening letter the following day from Dryden telling me if I don’t contact them and pay the full amount by today or agree to a repayment plan (and I may be offered a big discount to settle my account!)

they’ll wait ‘til Thursday then issue me with a letter of claim “on behalf of our client” and the full balance will remain due.

 

It also says to “please note any part payments made will reduce the balance but will not prevent further action”

 

I’ve previously had no contact with either of these (or are they same company?)

 

The last time I paid this was 2019

 

Any advice appreciated thank you 

Sylvia

[dx100uk]

so you've not done any reading up in the last few weeks of like threads here?

all part of the same group - Arrows DCA/debt buyers

dx

 

 

[SylviaDay]

Received a letter of claim yesterday from Dryden which I’ve uploaded (I think) 

Apologies as I struggle a bit taking it all in but after reading round and if I have it right;

I follow post 2 and do a cca request +p.o. ,print the reply form tick box d, (what do I put as reason,insufficient information received?)  then box i and add the request for further info I need.

interesting that their start and current balance say I’ve paid a lot less than I did and also they’ve confirmed this debt was assigned in ‘19 but on cred file says ‘21 as default date even though not been paid since ‘19

thanks for any advice

 

 

2023-12-07 Drydens Vanquis card PAPLOC.pdf

[dx100uk]

use the default reason in post 2.

run the 30 days mind!

dx

 

[SylviaDay]

Thanks dx do you mean take my time replying or just be vigilant of the 30 day time limit for reply? Thanks

[dx100uk]

no run it till it almost expires.

[SylviaDay]

Got it thank you