Azzurro/Shire Recoveries - old capital on tap debt business loan i guaranteed - who do I deal with?

[dx100uk]

neither of the fleccers!!

azzurro have purchased the debt from capital on tap, so are the new owners of the debt.

 

if anyone could have done anything, COT would have taken you to court and crashed you dead.

but they chose to sell the debt on for 10P=£1 to the debt buyers.

 

what type of business was this? sole trader or ltd?

when did you take this out?

when did you last pay it?

did you actually sign a separate personal guarantee?

how much are they after?

is the registered address of the business the same as your home address?

have you moved since taking this out?

 

a dca is not a BAILIFF

and have 

 

ZERO legal powers on ANY debt - no matter what it's type.

 

[dx100uk]

Then there is not a lot the debt buyer can do that you or I could do if we think someone owes us money..raise a speculative court claim , to see if you wet yourself.

 

It's very telling the debt was sold on and they didn't crush you in court. 

 

I would send capital an SAR.

 

Until or unless you ever get a letter of claim ignore everything 

Never ever talk on the phone, writing only put phone down 

 

 

Dx

[dx100uk]

B2B unregulated? Loan with a signed pers guarantee

[dx100uk]

ignore the dca. never ever otherwise.

 

if you last paid this to the original creditor within 6yrs they CANNOT refuse you SAR .

 

pers i'd start upping the anti here, go complain to the ICO that capital on tap are refusing to honour your SAR.

 

 

[dx100uk]

On 05/05/2023 at 13:08, gs123 said:

I'd like to see if I'm attached by personal guarantee still, as I couldn't see a default on my credit report, and I'd like to know what checks were performed before offering the credit (was I checked or my business)

 

What would you advise please?

 

[dx100uk]

the sar was supposed to goto CoT