'Forgotten' Alliance and Leicester debt

[tuffet]

Hi All,

 

Recently been tidying up my old debts including CCAing a few who have 'cashcowed' me for years.

 

Currently have a clear credit report as all debts are long gone although most are still outstanding!

 

There is 1 debt left that i am not sure what do with, actually thats not true as i intend to continue ignoring it but i just wondered what others views are on this.

 

I won't mention names in case they trawl these sites and i don't want them to start looking for it

 

The debt was with an old bank that has since been swallowed up by another.

It was a credit card and a current account both of which defaulted.

The debts were added together and i received a CCJ back in 1999.

 

 

The debt was taken over by a DCA who continued taking my £10/month by SO until payments suddenly stopped in 2009.

Nothing that i did, they just stopped taking the SO payment

and i never heard a thing from them again?

 

The DCA is still around

i wonder if anyone has any views as to what happened.

I am assuming it is gathering dust somewhere waiting to be sold on.

I would totally ignore it but as it was a CCJ there are still possibilities that it could resurface somewhere else?

[unclebulgaria67]

I don't believe that a creditor with a CCJ can ask a court for further enforcement, if payments have lapsed for 6 years.

[lookinforinfo]

According to The National Debtline, there is no limitation on CCJs,

however if no contact has been made during a six year period,

there must be permission from the Court before further enforcement takes place.

 

My own view is that it would be very difficult for a Court to allow any further enforcement when the Company itself stopped collection.

[tuffet]

Thanks for your replies.

 

The only thing that bothers me about this debt is that I have moved twice

since I last heard from the DCA 7 years ago and for obvious reasons I don't want to bring it to their attention.

 

If they did manage to convince a judge to enforce it

I would never know so I am assuming that it will never reappear on my credit report (dropped off years ago)

and they would have to enforce it at my new address?

 

If it gets enforced or they come looking for me I can sort it out if and when it happens.

My main concern is that it doesn't damage my credit report as I am in the process of buying a house.

[martin2006]

A SO is a payment you make from your bank as opposed to a DD which is claimed by a company from your bank.

If the SO payments ceased then it wont be because the dca stopped taking it, your bank stopped paying it.

As far as it coming back now i would highly doubt that, they woukd have to convince a judge that they have been actively seeking payment for 6 years in order for it to become live again. This very rarely happens, if at all.

I would treat it as dead and buried.

[dx100uk]

so the DCA was not the named claimant

name names please

no need to hide

 

 

dx

[tuffet]

Hi dx,

 

It was a very old Alliance and Leicester debt who i believe were swallowed up by Santander.

It was A/L that obtained the judgement.

I checked out why payments stopped and my bank did not know but they did try and pay the SO's.

 

I have had replies back from my CCA requests.

I sent off 8 CCA requests.

All have now replied, 3 have given up and said they will not be pursuing the debt.

The other 5 have said give us more time and we 'should' be able to provide a credit agreement.

They are all between 8 and 18 years old so i will wait patiently

 

Another quick question.

 

One of the DCA's are going back to Barclaycard for an 18 year old debt.

I currently have a clean credit report which includes a well managed current Barclaycard.

Will the DCA request have any affect on my current well maintained Barclaycard?

 

I am concerned that this old debt will affect my current standing with Barclaycard when they search for the old agreement?

 

Thanks.

[renegadeimp]

it wont have any effect on it at all

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?463026-Mortgage-possibilities-with-very-old-debts

 

 

as with this thread

you seriously worrying too much about all this.

 

 

barclaycard...let me guess.... Link Financial is the DCA?

 

 

if whomever you've sent the CCA requests to

has failed the 12+2 working days deadline

you are quite within your rights to withhold payment.

[tuffet]

Not worried at all about the CCA requests as they are going well and i will not be making any payments until i have proper CCA's.

 

My post was about 2 things.

 

1) You asked who the old forgotten debt was for - It was A/L, now part of Santander

 

2) I asked if the DCA searching for an old Barclaycard agreement would affect my current good standing Barclaycard agreement

 

Thanks..

[dx100uk]

cant see why...BC sold it on

nothing to do with them...

[tuffet]

OK, it was a long time ago but BC are still going to know it was me. I assume that they just forget these things when they sell them on and they are no longer concerned with my financial position 18 years ago?

 

I hope so as it means there won't be a CCA when the good old DCA asks for it

[dx100uk]

you are learning.........