So there is no requirement to issue a default notice for the mortgage. Im unsure of one issued for the loan as it fell off the credit file a while ago. So the mortgage company can chase the £50,000 shortfall for another 6 years and the same with the secured loan which was for £25,000

dx100uk i thought it was 6 years for the interest and 12 years for the capital. Andyorch Due to our situation we advised the mortgage company we were moving out to rented accommodation. We gave them our forwarding address. As we needed to apply for housing benefits we couldn’t until the house was repossessed. I rang the mortgage company who advised they’d repossess straight away. I’m pretty sure we moved out of the mortgaged property on the 31st August 2014 and the property repossessed 10 days later and the default notice was recorded on the 10th September according to our credit file. We also had a secured load on the property which was for £25,000 started on 7th Jan 2007. That fell off our credit file a while ago. I receive yearly letters

Hi Our home was repossessed in September 2014. On our credit file it says Default Date 10th September 2014. Should we have been sent a Default Notice? I did SAR the mortgage company and I felt the price they accepted for the property was low. The SAR indicates that they only had 1 estate agent value the property. Also the SAR shows no Default Notice was ever issued. They wrote to us after the house sold with the final balance and their intention to chase the balance. I know they can chase for 12 years but we’ve not heard from them since 2015. Many Thanks

Just a quick update. Another letter received on Saturday from Moorcroft just saying we can’t seem to trace that you’ve called us. Please call us so we can talk to you about repayments. That’s 3 letters in 1 week.

Can I ask, if in January this year we went to a NatWest branch and closed our bank account as we were advised not to use after we couldn’t pay our NatWest loan. It seems between our current account and 2 savings we had £1000. She gave us the money and closed the 3 accounts. She said she couldn’t do anything about the loan account which we obviously knew. Could they use this as us acknowledging the debt by closing the other accounts?

Sorry it was just the term self help that threw me. Yes I’ve used the search lots of times to help with Moorcroft and Cabot.

Apologies but what do you mean by self helping?

Does that mean once a consumer debt has fallen off your file it can’t reappear. Can Moorcroft register a default if we don’t respond? Or can NatWest register another default?

Sending a SAR or Moorcroft?

Another letter arrived today. It says we have been passed your account from NatWest and will be acting as a collection agent and we will now be dealing with your account. I know the default was registered in 2013 and the last payment I can recall being made to them was April 2014 but I’m worried about sending off the SB letter in case I missed something. Would a SAR to NatWest be ok to get this information? The debt no longer shows on our credit files.

Thank you. I’ll ignore. I was just curious as to why the context of the letter had change. Originally it was along the lines of We are acting on behalf of NatWest and you owe xxx amount. Please call to arrange payment. Now it’s please confirm it’s you so we can update our client.

They were writing to us but we ignored them. I wrote to all creditors in January advising of the correct address. After that we heard nothing but then a credit search appeared on husband’s credit report by Moorcroft. I know NatWest got the new address as they emailed an old email address asking husband to respond confirming the address which he didn’t. I’m wondering if they done this as we didn’t sign the letters. I’m assuming that NatWest haven’t told Moorcroft of the address

Yes but I did inform NatWest in January of our correct address.

Husband received letter from Moorcroft acting on behalf of NatWest. It just says we are attempting to contact the above named person regarding a personal matter and have been provided your address as a possible address for our customer. If you are the person named above please contact us. Can I just ignore the letter?

Yes sorry I’ve confused you both. Ill forget about Cabot as nothing received. it was more about the Moorcroft search. Should I SAR Natwest while waiting for Moorcroft to get in touch or just wait for Moorcroft to write to him then send off the SB letter.

Sorry but what do you mean by dn+14 days? This is Moorcroft chasing on behalf on NatWest. The default notice was in February 2013 and last payment made via Payplan to NatWest in April 2014.

Received another email regarding the search. This is what it says on husbands credit report. Shall I wait to see if they write to him before sending the SB letter.

No not heard from them in a while. Last letters were offering a £50 reduction if I sent in a budget form but I didn’t respond.

Thank you. Should I wait for them to write to him before sending the SB letter. Also on my credit report is Cabot (previously I think Capital One CC) No payment made since April 2014 default reported September 2014. Does that mean that one isn’t statute barred

Hi I’m going to do a SAR for NatWest. I’ve found the paperwork with the Default Notice. The loan was joint but the default notice was served to us both separately on the 27th February 2013. Last payments made via Payplan April 2014. We hadn’t heard anything from them until Moorcroft began writing to my husband towards the end of 2019. In January 2020 we advised NatWest of our correct address. They did email my husband asking him to reply to confirm the change but he never did. We’ve heard nothing from Moorcroft since January/February until my husband received an email from a credit reference agency he signed up to informing a hard search had been carried out by Moorcroft on the 9th July. For what purpose I’m not sure or could it be that NatWest hadn’t forwarded the new address onto them so they carried out the search looking for my husband. We haven’t heard from any other creditors apart from 1 other acknowledging the new address since advising them. Also can I ask does the 6 years start from when you last paid or from the default date. Many Thanks

It does give me the option on his credit file to raise a dispute so would it be ok to try this way?

No it says the search was carried out on the 9th July. Says it was a hard search that can impact your credit score and can be seen by other lenders.

All I put in letter was Account Number please be advised of my new address my name or husband’s no signature I must admit apart from 2 of them writing back to acknowledge. One of then NatWest I’ve heard from no one else. Natwest did email to a old email address that we have access to but never use asking for us to reply confirming our address but we never replied. Im just unsure why Moorcroft have done a credit search yesterday.

But online at Nationaldebtline.org it says “You have not written to the creditor admitting you owe the debt in the last 6 years” although I didn’t admit to the debt I have used the account numbers and our names when advising I have moved house. Surely this is me admitting as I’m the only one with this information. it also says similar on the CAB website

But it wasn’t statute barred when I sent the letter.