Ok thanks dx I’ll send one

Only thing I’ve found from Vanquis is a letter from Oct ‘17 accepting my offer of £1 per month and I remember now I did a CPA with my debit card. That went on ‘til 2019 when my card must have changed so stopped their payment. I don’t recall vanquis sending a letter of assignment or anything (but they may have and I’ve misplaced it/binned it) On my credit file it’s listed as arrow global and date of default as July ‘21 .(all the debts are listed as dca’s not the original companies) ive never paid nor had any contact with anyone from Arrow or their other companies,never sent a sar or cca as I say, last payment made on this was October ‘19 direct to vanquis by CPA

thanks dx. I can’t find one from vanquis but I found this from Arrow (if pdf has worked) . I’ve also found about 8 letters from them from before march 2021 (the states default date on my credit file) Also in the last year or so they sent a letter saying ‘here is info I should have received but didn’t ‘, that was basically just copies of old letters from ‘19 onwards ResolveCall’s mind trick attempt with their name didn’t work I didn’t call or resolve anything 2019-10-28 Arrows NOA.pdf

Thanks dx. The vanquis one is listed as being Arrow (though I only hear from capquest or resolvecall) and for some reason is only listed as default date 2021 which is strange as I’ve not paid it since ‘19 Others are Feb 18 Cabot , Oct ‘17 pra grp, intrum Nov ‘17

No they’re all showing on my credit file I think some were listed as being from ‘17 too

Thanks dx Yes I vaguely remember s’change didn’t want to talk about enforceability when I questioned something ,but it all gets like a big overwhelming blur of info and worry when these companies are on your back. Didn’t know that info about them all makes sense now. So the only power they now have is to harass me through postage or the power to walk up my path and be told where to go , that’s a relief. Does statute barred date go from any last payment made or when it went to £1 pm? At least one of them hasn’t been paid since ‘19 so that’s one bonus in a lot of mistakes I’ve made. Thank you

Thanks so much for the reply dx No I haven’t moved address since long before these debts. So I should cancel the Barclaycard standing order they’re still taking?(they sold debt over 2yrs ago and I’ve ignored pra group ) have blocked any emails and they don’t have phone no. so I’ll follow your advice I’ll file all their mail and be vigilant for any paploc letter. it was step change who advised me to do £1 pmonth back in 17/18. It helps knowing they don’t have any /much power thank you Sylvia

Hi everyone new member here I'm looking for advice as Im having threats of home visits now with some of these. I currently have 4 credit card debts from 2017/18 . I submitted an offer to pay £1 per month in 2018 which I continued/continue to pay which I’ll list the current details of below for each debt . Tesco Bank - Intrum was paying £1 per month from (at least) 2018-April 23. In April Their system wouldn’t let me make a payment . I called them up to be told the debt had been sold two+ years ago (but they’d still been accepting my £1 payments and refused to send a statement of payments made) Debt was sold to intrum and I received a letter this month from them which was just offering a 50% discount off the amount to settle the account... I haven’t been in touch with them or made any payments. Vanquis-capquest/resolvecall I had a standing order or dd for £1 month from at least 2018 . In October 19 they cancelled the standing order and sold the debt to capquest. I have never had any contact with them nor made any payments to them. I’ve received a letter from them recently saying that the account will be managed by resolvecall who will make home visit. So last payment October 19 Aqua(new day?)- Cabot/Orbit Again I had been paying them £1 per month from 2018 til May/June this year . All through the last 2and half years they kept sending me a letter stating I needed to have a payment plan and “it’s not you it’s us” whatever that means. So I last made payment in May 23. I’ve since had letters from them stating that they’ve asked “Orbit” to visit my home to put me in touch with their debt collection team. I have not responded or been visited yet. Barclaycard- PRA Group I set up a standing order and been paying them £1 per month since 2018. They have passed the debt on to “PRA Group” about 2years ago but I’ve never responded to the company who have wrote and told me to cancel standing order and pay them direct. This continues to be taken £1 per month by barclaycard. Any help appreciated ,sorry it’s a bit of a minefield/essay. The total of all the debts are approx. £2650 I can’t work due to sickness and my anxiety, which is obviously worse with the worry of home visits. Thank you