Old Halifax loan debt passed to Westcot from drydens

[Indebt4eva?]

Hello, its been a while since i've been here.

 

Just looking for some advice.

An old Halifax debt which was being handled by DrydensFairfax Solicitors and which I have been paying at £5 a month for ever,

it seems, has been passed by them to Westcott.

 

 

I just wanted to know if it is reasonable to send a CCA request to them before I change where I send the payment?

[Guest]

debt background please.

has it been sold on.

have you done a cca request before

etc.

[dx100uk]

Cash cowed??

What type of debt

Bet its an overdraft

Is this on your credit file?

[Indebt4eva?]

Thanks for responding.

Ford, the letter i received said it was transferred from Drydens to Westcot, no mention of it being sold on and no i haven't CCA'd this debt.

 

DX100uk, it was from a loan which is old enough that if i'd ignored it would be SB by now and i know i should check my credit file but haven't done so yet.

 

Just thinking of using this change as an opportunity to check what proof they have that the debt is recoverable.

 

Without digging out earlier letters, which i was going to do at the weekend, it's got to be at least 8-9 years old.

[dx100uk]

Who are wescots clients

[Indebt4eva?]

Halifax was who the loan was with then they passed it t Drydensfairfax though the correspondence still came with a Halifax letterhead and now it has been 'transfered' by Halifax to Westcot who they have 'instructed' to 'arrange collection of the outstanding amount'. The letter from Westcot is only asking for the same £5 a month i have been paying.

[Indebt4eva?]

Sorry it's Wescot not Westcot duh!

[dx100uk]

The debt is still owned by the OC Halifax

So you can ignore anyone else pay them direct

A dca is not a bailiff

[dx100uk]

When did you take this loan out

[Indebt4eva?]

About 8-9 years ago. Have to hunt the paperwork out for a more exact date.

[dx100uk]

CCA request might be a waste of time at present then.

 

1. its still owned by the OC

 

2. seems like its post apr 2007 so a recon will suffice.

[Indebt4eva?]

So not worth bothering with CCA request then?

As I have had no hassling letters from the previous holders of the debt I'm probably best switching the payments until I do manage to get myself in a better position then? Just send them a reminder that I will only deal with them in writing?

[Guest]

for a quid, if can afford, then might as well do one to the current owner. see what they come up with. even if it is a dx says?

[Indebt4eva?]

Can't hurt can it and it will let them know i'm aware of my rights. If i change the payments to them i can always stop them if necessary. I'll check back when or if i get response. Thanks for the help so far Ford and DX.

[dx100uk]

I was just thinking if it were ever sold on

then that bullet could be fired

 

 

if the OC finds the CCA now, it will be easily available to the DCA later?

if they are not pushed to find it now

they might leave it hidden away ..

 

 

just musing...