Capquest/ARC & Egg - now wetcloths

[Stigman]

The Statute Barred date is from your last payment so if you had been paying a DCA then that has reset the Statute Barred clock ticking again and it will be from the last payment date to a DCA.

 

Send Arrow/Wescot a CCA request for a copy of the paperwork enclosing a £1 postal order, send by Recorded Delivery, asking for one means you have no legal recourse if it ever goes further, you need a complete paperwork trail.

 

If you had a loan with Egg, then send Egg (the original creditor) a SAR request, this costs £10 but will give you all of the statements plus all copies of letters and correspondence, this way you can get the default date, the default date cannot change and should be registered within 6 months of your last payment.

Also, by getting a SAR, you can then claim back all charges and any PPI if it was applied, do not use a Company, you can do this yourself for free, if you need advise, just ask.

 

Check you Bank statements, this will show any payments to a DCA because they are made either by debit/credit card, direct debit or standing order, just for reference never pay a DCA by the first two, always pay by a standing order, that way you have complete control and stops you Bank Account being emptied by a so called "Admin Error".

 

Stigman

[Stigman]

Hi,

 

The SAR always goes to the Original Creditor.

 

The 14 days to make a payment or arrange a payment plan are just a DCA's silly little word plays.

If you break the wording down, 14 days from when? Letter Date, Post Mark date? From when you receive it? 14 days after Arsenal win the Premier League (which could be a while away).

 

Also, because Wescot are collecting on behalf of they have no legal rights to initiate Court action.

Ignore and get the SAR off.

 

Stigman

[Stigman]

Hi,

 

The SAR will only show payments up to the point when EGG sold the debt, if you have made (which you said you did a long time ago) payments to a DCA after the debt has been purchased by a DCA then the payments will only show on any statement that the DCA sends you or on your Credit Reference File (if it shows).

 

The CCA that you have received does not look like it is compliant and therefore non-enforceable.

To make sure, please scan in and post up, members will look at the agreement and post replies. I have copied and pasted instructions at the end of this message on how to upload, these instructions have been written by site mod DX100uk.

 

Can you not check your Banking records for details of any card or direct debit payments to any DCA's?

 

If you have not made any payments since March 2010, the account will be Statute Barred because has you have correctly said, 5 years for Scotland..

 

Stigman

 

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