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.

Thank you for your advice.

As the owner of 2 labradors dog turd is something I have plenty of.

Can I just ask only because I do panic about stuff like this.  More because of the affect it has on my husband.

In 2014 when my husband was at his worst and NatWest got the charging order on our house (which was then repossessed) we had to stop using our NatWest bank account which we did.  

When we signed up for credit reports in January we noticed our NatWest bank account was being reported on a monthly basis so we decided to close it.  My husband and I went into a branch and closed it.  

We had 4 accounts,

1 for everyday banking and

2 savings and

1 was the loan.  

She said she could close the 3 accounts but obviously not the loan.  

She said she’d transfer the money from the 2 savings into the main bank account and give us the money then shut all 3.

 We were gobsmacked when she gave us over £1000.  

We never thought we had money in the accounts.

 Can this be used against us?  

The 3 accounts are now shut and marked as settled on our credit file.

Just one other thing which is stressing me even though I’ve been given assurances on here.

Is there anywhere I can find a piece of law that says because I informed them of my new address in January I haven’t re-set the 6 years.  I think NatWest/Moorcroft may use this against me.

Everywhere on line says if I made contact with them in writing within the 6 years then I have reset it and they can start chasing again.
 

Thank you.

I won’t be paying.  The last payment made was April 2014.  There has been no contact made by us apart from in January 2020 we advised them of our correct address.

Would NatWest let Moorcroft know when payments were last made?

Moorcroft were sending letters to him and ringing from last year but stopped in January.  My husband hasn’t received anything since and now they’ve done a credit search.  Not sure why because they know our address.

We signed up to a credit reference agency.  

Got an email this morning saying a search had been carried out in my husband’s name.  

It’s by Moorcroft who are doing it on behalf of NatWest. 

Do we worry?

 It’s been over 6 years since last payment and we wrote to NatWest in January advising of our new address.  

They and Moorcroft both emailed an old email address which we have access to but never use asking us to confirm our address.  

We didn’t respond to it.

I found out last night that after informing NatWest of our new address they sent an email to a very old email address asking us to to ring them so they could action the changes.  Moorcroft also sent a similar email to the same email address.  

Husband only told me last night.Unfortunately due to his illness he often forgets to tell me things.

Many Thanks for all your help.

It was a joint loan and our mortgage was joint.

Although when they wrote to us it was individually and they were chasing us individually but they were wanting the full amount from both of us.  When we made payments via Payplan we paid a certain amount each.  When Moorcroft started writing they only wrote to my husband .

Hope that makes sense.

Sorry I’m not sure what you mean when you say about the loan not being secured from the start.

I banked with NatWest.  

Applied for a loan £30k.  

Definitely not secured as with an interest only mortgage £115,000,

then the secured Picture Loan which was £25k we couldn’t have gotten another secured loan.

When we couldn’t pay due to husband loosing job I got paperwork for them to get a charging order.  

I honestly have no recollection of a CCJ and I’ve been with 2 Credit reference agencies

1 of them for 2 years

and there was no CCJ registered.  

I do remember writing to the court opposing the charging order as even if they tried to repossess the house they wouldn’t benefit from any money due to the mortgage and secured loan taking priority over them.  

Unfortunately this was rejected by the court.  

Until April 2014 they were receiving payments from us via PayPlan.

The house was then repossessed in September 2014.

What other action can they take.

Do they have 12 years to chase like a mortgage shortfall as although it was a unsecured loan, they did get a charging order on a house that was later repossessed.

Many Thanks.

Yes.  NatWest got a charging order but the house was repossessed in 2014.

No not on your Facebook group 

I know we buried our head in the sand but I was thinking if they are SB then I know they can still chase but I can send them a letter saying so.

The person at NDL said as I wrote to them in January before the 6 years was up then in affect I’ve given them another 6 years to keep chasing and they can apply for a CCJ against me.

Im aware the likes of the shortfall on the mortgage, the secured loan we had and the charging order have 12 years to chase the capital but all I asked them was at any point in those 12 years could they obtain a CCJ.

he said it’s likely NatWest got one before the charging order was placed but it’s likely fell off my credit file by now (not ever seen one on my file or can I find any paperwork for one although I have the charging order paperwork) but they would have to ask permission from a judge if they haven’t done anything in those 6 years.

Hope I make sense.  Just a bit stressed and sad as on Monday we had to have our old labrador put to sleep after 13 years x

I’m just really scared.  If these are trained people who are supposed to give people correct information why say I’ve reset the 6 years and they can chase me for another 6 years.

I did think though it these people who have acknowledged my new address (I found a unsecured debt that wrote back in January acknowledging the new address) then why haven’t they started chasing me already 

Hi me again.

Was speaking to Nationaldebtline.org and they asked about unsecured debts and if any payments or contact had been made by me or my husband.  

I advised when payments were last made (April 2014) and I wrote to them advising of new address in January 2020.  

He said unfortunately this is classed as acknowledging the debt and I have reset the clock.  

He said he wouldn’t have advised writing to them so close to becoming stature barred.  

I screen shot the conversation but not sure if I can add pictures.  

I said I’d only heard from 2 of them, 1 being the mortgage company and the other the secured loan who said they would change unless I signed which I didn’t.  

He said the 12 years has been reset with these 2 debts.

Im really stressed to bits and no clue how to process.

Thank you.  I wanted to comment but didn’t.  He said why tell them your current address if they were already writing to you at the address.

sorry I just got a bit worried.  I’ll be leaving that group.

Sorry but I’m not sure what to do.

As advised I wrote to all creditors officially advising of our current address even though a few were already writing to us so they obviously found us.  

I was reading a post on Facebook and someone who admin on the group has said they shouldn’t write to any creditors advising of their current address as it’s acknowledging the debt and may reset the 6 years of limitation.

is this correct?  

Thank you for the quick reply.  It’s much appreciated 

Hi

its been a few months since I wrote to our creditors to advise of our current address.

A few wrote back acknowledging the change, Picture who was the secured loan on our house that was repossessed wouldn’t change until we signed the letter which we never did and we’ve not heard from Moorcroft for a month or so.

Some quick questions if possible.

We were with Payplan for a few years.  

They were paying on our behalf.  

In June 2014 I received a letter from one of our creditors asking why they hadn’t been paid.  

I called Payplan and they admitted they’d made an error and not paid anyone for 2 months even though we had paid them.  

I was angry and said I wouldn’t be using them anymore so they agreed to refund the 2 months I’d paid them.  

This would have been April and Mays payment.  

I’ve got the old bank statements to check.  

So that has me thinking the last time any of these creditors were paid was April 2014.  

There was no contact made by me to any of the creditors.  

Also NatWest loan (passed to Moorcroft to collect).

This was an unsecured loan.  

When my husband lost his job and we couldn’t pay so they got a charging order on our house which was then repossessed in September 2014.  The last payment I believe they got was April 2014 as they were part of Payplan.  

How long are NatWest allowed to chase?  

I know our mortgage company is 12 years but I’m unsure about the secured loan which was with Picture and NatWest that was a charging order.

Many Thanks.