£15k Debt, 7 Creditors, Can I Get It Reduced If I Pay In Full

[Bazooka Boo]

Ah cheers. I thought even though the default was gone, there might still be some trace of the unpaid debt. Apparently not which is good.

So is it just a case of wait and see what Moorgate do next and Just hope they dont take legal action?

 

Even though the default will have gone, and even if it's time barred, it doesn't stop them from sending you demands for their profit pocket.

 

If the original creditors didn't get their money from you, and flogged it to these clowns, it is unlikely they'll even have two coins to rub together to take any action.

[mystic_bertie]

Ok guys many thanks for the info.

Will there ever be a time when i can consider the debt as expired or gone.

I think i would rather keep the money aside rather that spend it, just in case

However if i knew i was in the clear, i could make good use of the money.

[dx100uk]

statute barred date

6yrs from your last payment or written and signed letter acknowledging the debt

[mystic_bertie]

thanks agan

[mystic_bertie]

I have received a letter back from BOS saying they cant supply me with the information i need because the address on my letter does not match the address they have for me.

 

They suggest i do one of 2 things.

Get the information sent to a branch,

take in my i.d to collect the package,

there are no BOS branches in Coventry, will Halifax do?

Or i can take my i.d and proof of address into a branch and get it verified before they can sent the information to me, still no branches here.

 

I got my package back from Ulster Bank,

it was badly ripped and looks tampered with, there is no agreement.

 

All i got was a thick pile of statements with an elastic band round them,

i have no reason to think anything has been removed from the envelope.

Should i have got an agreement too?

[dx100uk]

Halifax is OK hence HBOS name I would guess

 

did you follow the full sar guide

and as it says

include a list of all old addresses and a copy of your CTAX bill?

 

as for ulster bank

you don't 'have' to get an agreement copy in an sar

did you send them a CCA request?

 

might be better to start new threads on these else this will get incredibly confusing.........

[mystic_bertie]

Im sorry for the delay in replying,

i have finally moved into a house of my own that im renting,

i have had so much going on.

Now back to my debts.

 

I called BOS and as you said i can use a Halifax branch to collect my SAR,

i was able to tell them what branch to send my information to over the phone.

SO they will let me know when it arrives.

 

I did follow the sar guide but i did not have a utility bill as i was in temp accommodation.

I also included old addresses on a separate sheet.

 

I will start a new thread soon then.

Was i supposed to get a both a CCA and SAR from BOS, Barclaycard, Ulster Bank?

I only sent for a SAR.

 

Ulsterbank sent a separate letter saying how i was not keeping up with the agreed payments.

It says unless i bring my payments up to date,

they will consider further action.

Should i ignore this?

[martin2006]

No, SAR request is made under the data protection act and CCA request is made under the consumer credit act.

CCA you send a blank £1 postal order with a cca template letter from the library here.

Send one to each of HBOS and Ulster Bank making sure you request them for the correct accounts.

[dx100uk]

CCA request

[mystic_bertie]

I apologise for my late reply.

I kept meaning to get back to this but i have been so busy with other stuff.

 

I got another threat letter from Moorgate and Ulster Bank.

should i just ignore these kind of letters until they actually are taking court action?

 

I never got a further letter from BOS informing me to collect my SAR from the branch,

i have not heard anything from LINK or Barclaycard.

 

I fell out with my girlfriend and it could have been delivered to her address.

She wont answer my texts or calls so i cant say whether or not the banks sent out the cca and sar i asked for.

 

Should i update them all with my new address and then apply for the cca and sar again?

This time ask for a cca for every account (except moorgate)?

 

I apologise for getting confused by all this.

Changing addresses has not helped.

 

I thought my ex girlfriend would inform me about any letters but it seems she is in a bad mood.

[dx100uk]

pers i'd let the dust settle

 

comeback after xmas

you might have gotten your letters by then

[mystic_bertie]

I dont actually know if i got the letters or not and i dont think my ex will reply. I will update my address with all creditors anyway so all the letter come here in future.

[renegadeimp]

Wait till.after xmas before you update anything. You don't want to be marked as gullible

[robtherevelator]

ok dokay, thanks for the advice

[mystic_bertie]

More threat letters. The latest ones from Moorcroft Debt Recovery are saying if i dont make a payment proposal in 7 days, they will recommend to their client further debt recovery action. Do i need to respond to this? At what point should i be concerned?

 

I got 2 letters from Idemservicing re my 2 BOS accounts. They say failure to make contact may result in further actions. Should i just ignore?

 

Is it a good idea updating my creditors with my new address details, they are still being redirected from my old address in Scotland.

[dx100uk]

So the 2 bos accounts have been sold to idem??

 

Ignore moorcroft can be ignored they don't buy debts

Just chase for their named client

[mystic_bertie]

Thanks for your reply.

 

I have not been notified that the debt has been sold to Idem.

 

 

I got my SAR from BOS, i collected it from a local Halifax, its more than 2 inches thick. There is a separate letter, i will see what the letter says.

[dx100uk]

idem buy debts

you must have a notice of assignment 1 from HBOS one fron IDEM

[mystic_bertie]

I will have a look once im back home thanks.

[ericsbrother]

hang on, you were in Scotland?

 

The SB clock there is 5 years so they may well be out of time to enforce.

 

I'm not sure if the 5 yr limitation would still apply when you moved because that would depend on whether the agreements were under Scots or english law.

[mystic_bertie]

Ok thanks for pointing this out, its still 5 years from last acknowledging the debt so that takes me to 2021 until im in the clear.

 

It turns out i have no letter from BOS to tell me the debt was being passed to Idem Servicing.

 

 

Now i have a letter from Fidelite and they are saying if i dont contact Idem then a representative will visit me.

 

 

Should i worry about this? They still have my old address in Scotland should i give them my new address ?

[Old Cogger]

if anybody did turn up tell them to sling their hook, they have no rights to pester you on your doorstep

 

 

= by the way Fidelite are Snotcall oopsss (Scotcalls new name)

[dx100uk]

how are you gauging that sb date start?

[mystic_bertie]

if anybody did turn up tell them to sling their hook, they have no rights to pester you on your doorstep = by the way Fidelite are Snotcall oopsss (Scotcalls new name)

 

I would not mess my words if they did turn up but i cant stop them bugging me if they do decide to visit.

 

 

Thats why i dont know whether i should give them my new address or not.

It will mean the people who bought my house will start receiving letters regarding my debts.

 

how are you gauging that sb date start?

 

I dont know if im right or not but as i sent for the SAR and CCA roughly july spt last year so would the 5 or 6 years start from then?

[unclebulgaria67]

Best to advise creditors of new address, so you remain in contact.

 

 

Otherwise you risk a CCJ by default because the court papers went to your old address.

 

 

If you know about corespondence, then you can deal with it. We find on CAG that DCA's love using old addresses and only seem to find a new address when they have a CCJ to enforce.

 

The statute barring runs from whenever you missed the last contractural payment. So if you received a statement to pay in say May 2016, which allowed 21 days for payment, it would run from whenever 21 days of the statement was.

 

 

The default date is usually a few months after the payment due date.

 

It you sent a CCA request, it means the debt should not be enforced in court until the statutory request is satisfied.