Hoist now lowells - old card debt been paying for ages.

[dx100uk]

barclaycard.

you should never have paid any dca in the 1st place

 

they wont get nor have an enforceable cca.

 

the rules of engagement have dramatically changed since you were here moons ago the 30 days / 3mths went out the window in 2007!!

 

stop paying

ignore everything.

until or unless you get a letter of claim.

 

do send or do anything NOW bar stopping your payment.

 

dx

[dx100uk]

50 minutes ago, Yorky55 said:

Ref address, they do have my new address well its years old now. That is why Hoist are able to send letters. and That is why Lowells have written to me here, Hoist gave or passed contact address to them.

 

does not any longer run like that.

 

if you have NEVER written to the original nor any DCA telling them your correct and current address you must do so to prevent a backdoor CCJ on any debt SB'd or not 

 

52 minutes ago, Yorky55 said:

Oh so how long do you give them now to find and send me the True CCA.  what is time line for this

it now simply 12+2 working days, then you can cease paying until they comply AND you DO NOT send off any other silly failure letter or alike now, you dont need too!

 

DO NOT CCA,  await the letter of claim, then fire your arrows. you never want to alert them to what is wrong nowadays, then they'll have months/years to fake up paperwork.

 

56 minutes ago, Yorky55 said:

Its being paid, so I cant say its not my debt

 

throw the morality card out the windows!!

 

57 minutes ago, Yorky55 said:

If they produce a claim letter, then I cant say its not my debt? may end up court or more costs, not to mention more stress.

if you mean a letter of claim (which they MUST now send 1st before they can ever raise a court claim)

until they prove its you debt by a signed agreement, why not?? it does not add more costs, or harm you at all.

 

no enforceable CCA = no debt - waste of time going to court too, there are no extra costs in small claims its fixed sums.

 

barclaycard CCA's dont exist, they never did, what year did you take this out?
its really weird you've blindly paid this debt for sooo long with the history you have. all you've done is run the statute barred clock to infinity and paid for their drinks every night down the pub. no debt ever existed the OC reclaimed it via their insurance/tax clawback when they sold it on.

 

dx

[dx100uk]

you dont need recorded to a powerless dca!

use a 2nd class stamp!!

just get free proof of posting from any po counter.

 

stop paying now.

await if/when they ever send a  letter of claim 

then comeback here.

 

can never return to your credit file as it was default +6yrs ago.

 

 

 

 

[dx100uk]

as i said - throw your morality card out the window.

the fact that lowell have bought out hoist thus acquiring yours and +£1Bn of other peoples debt has ZERO bearing that it must belong to you..

 

yes do your no.2 IF IF IF one ever comes

and IF If IF their eventual paperwork proves enforceable you go back to paying £1PCM...end of problem.

 

 

[dx100uk]

On 04/04/2023 at 18:04, Yorky55 said:

Previous creditor ; Barclaycard

 

[dx100uk]

On 04/04/2023 at 18:11, dx100uk said:

barclaycard.

you should never have paid any dca in the 1st place

 

they wont get nor have an enforceable cca.

 

the rules of engagement have dramatically changed since you were here moons ago the 30 days / 3mths went out the window in 2007!!

 

stop paying - it can never return to your credit file now. you cant be defaulted twice!

ignore everything.

until or unless you get a letter of claim.

 

don't send or do anything NOW bar stopping your payment.

 

dx