Have 2 defaults (unpaid), will they try to register CCJ's after 5 years and 6 months?

[Reformation]

Hi Everyone, thanks for reading.

 

I have 2 defaults amounting to about £15k. I went through the entire process of seeing if they were enforceable and it seems they are. So i just moved on, this was about 2 years ago.

 

I was just waiting until they drop off after 6 years. But i heard somewhere that these guys can come back after 5 years and start threatening you with court action. I couldn't care less, but i don't want the CCJ and going through another 6 years of rubbish credit. Has anyone had experience of this and am i better off giving them a tiny settlement and just being done with it?

 

Any help or advise would be greatly appreciated.

[renegadeimp]

What did you do to check if theyre enforceable? Who were the debts originally with? Who currently owns them ?

 

Whoever owns them can start court action up until it is SB or its found no paperwork exists for the debt.

 

Please give as much detail about both debts as you can. We can give better advice then.

[Reformation]

They were with HSBC (Credit Card) and Santander/Cahoot. They presented me with copies of the singed paperwork. i went through all of the steps on this website with the various letters and got nowhere with them.

 

The companies that came after me were Westcot who i believe are owned by HSBC? ! and also Ardem or something like that. I have since had a couple of phone calls from other collection agencies asking me who they're speaking to and ive refused to identify myself so they havent been able to proceed with the call. In hindsite maybe that was a mistake?

 

Im just wary that they'll rear they#re heads again after 5 years.

 

Someone will buy the aging defaulted debt and then decide to proceed with a CCJ.

 

At no point have i admitted that i owe the debt

 

but they havent removed the default and are sticking to their guns that i do owe it.

 

Hopefully that helps?

 

Is it standard practice for debt collection companies to revisit these aging debts and threaten CCJ's so they attempt to screw you for another 6 years unless you cough something up?

[renegadeimp]

The debts are bad if they have been sold. Meaning there is something very wrong or the OC would have taken you to court themselves years ago.

 

What exactly did you get back from them that made you think its enforceable. What dates did you take out the cards. When did you last make a payment, what date were the defaults.

 

And DCA@s will do anything they can to make you pay. They have total disregard for regulation or the law.

[dx100uk]

who says they have to remove the defaults?

 

 

dx

[colin11]

When you say various letters, What letters did you send ?

[Reformation]

I followed all the steps outlined here i believe,

i have the letters in a folder somewhere that i'll have to dig out.

 

 

I may start the process again saying ive noticed the defaults still on my file and i dont recall owing any such money.

 

I cant remember exactly what it was that made me think it was enforceable.

 

 

They showed me copies of the signed agreement,

obviously it was a copy and not the original.

This was from Santander,

i had zero communication from HSBC as it went straight to Wescott with no discussion.

[renegadeimp]

Sounds like you didnt get CAG advice, but a random posters. Multiple letters usually means something like the 3 letter process which will get you laughed at.

[renegadeimp]

I followed all the steps outlined here i believe, i have the letters in a folder somewhere that i'll have to dig out. I may start the process again saying ive noticed the defaults still on m,y file and i dont recall owing any such money.

 

I cant remember exactly what it was that made me think it was enforceable. They showed me copies of the signed agreement, obviously it was a copy and not the original. This was from Santander, i had zero communication from HSBC as it went straight to Wescott with no discussion.

 

You say they provided agreements. WHen was the card taken out. What exactly did they send?

[Reformation]

The card was taken out in about 2006 i believe and the Cahoot loan was taken out in 2004 but never used until about 2007.

 

And yes i did a 3 step letter process, so i have a feeling i did it via another website. Are there some steps i should take on here then and have i been a bit of a prize pratt?

[dx100uk]

you need to start another thread for either the satans bank default

or the HSBC default

keep them separate please.

 

 

can we see the CCA return please

and who did you send the CCA request too?

 

 

dx