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

[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

 

[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 

[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.

[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

 

 

[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

 

 

 

[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

[dx100uk]

sar to vanquis then.

dx

[dx100uk]

probably resolve call

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

 

dx

 

[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

 

 

[dx100uk]

use the default reason in post 2.

run the 30 days mind!

dx

 

[dx100uk]

no run it till it almost expires.

[dx100uk]

you have the PO tear off slip? you can walk in with that and the returned PO and get your £1 back.

this is typical for Arrows, they think it absolves them from the act and supply faked copy and paste agreements typically NOT from the Original Creditor, claiming it is a reconstruction and does need any actual details pertaining to the customer.....

the time limit of 12+2 working days is only really of any use if you are paying, thus you dont ...till they comply. which could be months and might well not even be enforceable till we see it.

as for court...they'd be pretty silly to raise a claim without enforceable paperwork as they already know you wont wet yourself and blindly cough up upon a claimform arrival like 85% of people do, thinking DCA are bailiffs and have some magical legal  powers....

[dx100uk]

been that way since the mid 70's when they 1st came about.

nasty nasty industry.

and 85% of people fall for their fake threats when they have zero legal powers whatsoever

dx