Alijeee
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Posts
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Nope, not older than 4 years, so all very strange
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Yes, the address is there, but no record of that loan.
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That's the thing, no debt of this sort is shown on my file at all, which is weird because I know i definitely didn't pay back this one pay day loan
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Changed my address to the correct one on my credit file, so all should be in order now. There are 3 addresses there for the last 4 years so I think if they would start anything against me it would be visible on my credit file? There's not even a default there for this ...
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Oh, I never even checked my credit file or my credit score and have no idea what address is on there... I mean by bank has my correct address as well as the HM Rev office, so I just assumed that's enough. Will check my credit file then now i guess...
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They are just stating a reference number over txt that starts with PIXIExxxxxxxx. They are not a bailiff yes, because i do not have a ccj yet. But I am scared that they will take me to court, get a ccj and then will send bailiffs... I am just wondering if i should send them a letter and expose my current address or not do anything and hope they wont take legal action?
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Ok, how and who do I complain to? (I'm only 21 years old and never really been in a situation like this before...) Also, would you know if are they still able to take me to court without me having an official letter from them? I mean, can they take me to court if I change my number for example and they can not reach me?
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They are using different mobile numbers every time, so I can not block them!
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Thanks for replying! I am very bad at all legal stuff, what is a cease and desist letter? Regarding the debt - there's not much to say... About 3 years ago took out a payday loan for around £300 (don't remember exactly) and was not able to pay it back as I lost my job at the time and had to turn to my parents for financial support. I was a bit stupid and didn't contact Pixie Loans to tell them my circumstances charged and I just kind of left it like that... Pixie Loans never contacted me themselves, I have not received any letters from them until recently started receiving txts from CRS with reference to pixie loans...
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Hello, I have the following issue and was wondering if someone could help me figure out what I should do: CRS (Credit Resource Solutions) are txting me every day regarding a very old debt (but not older that 6 years) to a payday loan company Pixie Loans. They only text, never call and I never received any letters via post, I think they don't know my address as I have moved. They are threatening with court actions and CCJs. And told me that they have sent me a letter but I never received anything apart from regular texts. Is there anything they can really do, can they really take me to court if I have not received any official letters via post? I was thinking of sending them a letter and asking to do everything only in writing but at the same time if they do not know my address and my email address - I do not want to give them that information. And sending a letter without a return address doesn't seem to make sense... Not sure what to do in this case. Are these texts enough to get me a CCJ? should I reply?
