home visit from fidelity credit management for cabot - old LLoyds credit card debt

[dx100uk]

dca's

be them

by letter

on the phone

or

at your door

 

 

are totally powerless they are NOT BAILIFFS

you shouldn't even speak to them

[dx100uk]

so this is for the LLoyds credit card they are calling?

[dx100uk]

retitled and moved to the Lloyds forum.

 

if you've paid nowt since july 2011

its very close to being statute barred

 

pers i'd be ignoring them.

 

unless/if you get a claimform

 

no point in entering into stupid letter tennis

 

 

can I just check one final point

have you moved since taking this card out?

[dx100uk]

ah ok so officially you've not written to then informing them of your correct address?

[dx100uk]

ok well sadly you need to then

else they could quite rightly get a backdoor CCJ using the old address and you'd know nothing about it.

 

 

send them a CCA request

that will hit two birds..

 

 

one put them to strict proof they hold enforceable paperwork

two officially inform them of your correct address

 

 

read ALL of the CCA request link posts

and do NOT sign the letter

[dx100uk]

possibly but I wouldn't ever rely upon that

legally you've not informed them

and a doorstepper asking at that address receiving a moved out might also be used against you in that sense,

 

 

i'd do the CCa to be 100% sure they know

[dx100uk]

Wetcloths don't own debts

They chase

Who is their client?

[dx100uk]

its not been sold then

leave alone

keep checking cra file

to see if it gets sold on

[dx100uk]

yep some stupid has made CRA pop up consumer right act...

[dx100uk]

whoever is listed as snotscrawls [fedelity old name] client

[dx100uk]

you now ignore them

and thank yourself you didn't get fleeced

now do the same with any other debts you are blindly paying!