DCA's and Email Correspondence

[jjgr9]

Hi All

 

I have 12 serious outstanding debts to various major credit companies and banks which have now been sold on to various DCA's and some have been sold on again.

 

After getting advice from the CAB and National Debtline, I wrote to them all offering a token payment of £1.00 per month, all of which were accepted. But, I now need to send a budget statement review and renew the offer of £1.00 per month as my circumstances have deteriorated.

 

My problem is, I have since moved out of my house and onto a boat, but the mooring I have does not provide an address or mailbox facilities.

 

I have had my mail redirected from my old address to my In-Law's address for the past 18 months, but this is getting unreliable.

I can't give the DCA's my In-Law's address directly as it may affect my In-Law's credit or they may get harassing letters/calls etc.

 

Can I tell the DCA's that I can only correspond via email? And can I get them to send CCA requests to an email address?

 

 

Thanks in advance

[renegadeimp]

Have you checked these debts to see if any are unenforceable. Have you checked for any reclaimable fee's/charges/PPI etc?

 

Can you list all your debts with as much info as you can.

[jjgr9]

Debts - Original Lender (DCA)

 

Halifax (BOS) £11,726.77

Capital One £6,260.35

LloydsTSB Mastercard (Cabot) £5,473.84

Virgin Mastercard (Experto) £2,244.86

LloydsTSB 576 (BLS) £2,245.73

LloydsTSB 750 (iQor) £1,824.76

E.On Energy (BCW) £1,469.54

Comet (CL Finance) £1,082.00

Anglian Water (Lewis DR) £1,026.64

Egg (Apex/Lowell) £790.97

New Look (RedDCS) £152.42

Fraser Card (Santander) £135.33

B&Q £132.40

Orange (Lowell) £157.67

 

Total - £36,370.06

 

 

These debts originate from around July 2007-August 2011 and I have been paying £1.00 per month by standing order ever since.

 

I assume because they are not over 6 years old they are still enforcable.

 

I have no idea about reclaimable fees/PPI etc.

 

I am able to continue the token payments, but I need to know if I can insist on email correspondence.

 

Thanks

[citizenB]

Yes, if you do not have a proper mailing address then they should allow you to communicate by email.

 

They use email when it suits them !

 

I would definitely not permit them to send letters to a 3rd party address such as your in-laws.

 

Simply explain the situation to them - under no circumstances should you provide them with a telephone number !!

[renegadeimp]

They wont be SB'd because youve been paying them.

 

Now, have you checked your credit files and seen if any of these debts appear on them?

 

I think the main thing to do now is to check your credit files, then check if these debts are still with the original creditors and if theyve been sold on. Then you can issue a CCA request.

 

Can i ask if youve had any discount offers with these debts from any DCA's? Discount offers is a good sign that there is something wrong with the debt,. Be it unenforceable charges/no paperwork etc.

[citizenB]

You would need to send a Subject Access Request, which is a request for all data in respect of your financial relationship with these companies. Each request would cost you £10.00 and they have 40 calendar days to comply.

 

You should be able to see from the information provided if there were default charges and Payment Protection Insurance on any of them.

 

You can reclaim the default charges and if the PPI was mis sold then you could reclaim that as well.

 

There is a draft request in the CAG library - top left of each screen although the request is for ALL data, you should ensure you receive statements and the communication log/diary of events.

[renegadeimp]

I agree with CB. The SAR's should be sent to the Original Creditors. If they have sold the debt on to a DCA, the DCA will not have the info needed.

[Jam_Buttie]

You could set up a PO box - there is a cost involved though