GDPR Cookie Consent by SimpleServe Privacy Script Unenforceability and moving house - AAD Consumer Forum

Announcement

Collapse
No announcement yet.

Unenforceability and moving house

Collapse
X
Collapse
 
  • Page of 1
  • Filter
  • Time
  • Show
Clear All
new posts
Previous template Next
  • #1

    Unenforceability and moving house

    Hi

    Some advice please.

    I have been going down the unenforceability route with Barclaycard since about September 2011 (it was was a Goldfish account which was transferred to Barclaycard (BC).

    It has been 'batted' about a few times between debt collectors, but after I sent a copy of the letter I received from BC saying they cannot find a copy of the credit agreement and although they cannot enforce the agreement they can take any action short of enforcement, they went very quiet.

    The problem is that I moved house about 18 months ago and set up a postal redirection, so that any letters from BC or others would be redirected. I can only redirect for 2 years and I am not sure whether I should contact BC to tell them this.

    On the one hand, if I tell BC about the move, would I be making myself known again and perhaps flagged on their list? But, if I don't and I miss some important letters would I find myself with more problems?

    I would be grateful for some help please!

    Thank you!
    FB
    Last edited by Fleabite; 20 February 2013, 18:39.
    Tags: account, accounts, action, address, advice, barclaycard, ccj, collectors, con, credit, credit agreement, crooks, debt, debt collectors, egg, enforcement, fine, help, house, letter, letters, list, mail, marlin, pay, problems, trace, unenforceability
  • #2
    Re: Unenforceability and moving house

    I'd just go and let them trace you; if they really wanted to that is.......
    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

    Comment

    • #3
      Re: Unenforceability and moving house

      Thanks Niddy

      I was just a bit worried that BC may employ another debt collecter who, if they don't get a response from me regarding their 'invitation to pay' , would be able to get a CCJ against me (which so far I have avoided).

      Thanks again

      FB

      Comment

      • #4
        Re: Unenforceability and moving house

        Originally posted by Fleabite View Post
        Thanks Niddy

        I was just a bit worried that BC may employ another debt collecter who, if they don't get a response from me regarding their 'invitation to pay' , would be able to get a CCJ against me (which so far I have avoided).

        Thanks again

        FB
        Nope, they'd search and trace you first usually.... you should be fine, see what happens
        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

        Comment

        • #5
          Re: Unenforceability and moving house

          Hiya.
          In exactly the same position as you mate. Last letter i received from them stated they can't find agreement and acknowledge they cannot enforce. Good enough for me. If they want to write to me, fine, but i am not telling them i've moved!
          When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

          Comment

          • #6
            Re: Unenforceability and moving house

            Originally posted by Fleabite View Post
            Thanks Niddy

            I was just a bit worried that BC may employ another debt collecter who, if they don't get a response from me regarding their 'invitation to pay' , would be able to get a CCJ against me (which so far I have avoided)
            That's exactly the same worry that I have, especially in the light of BC apparently passing their Egg accounts to those crooks Marlin.

            I'm in the process of trying to catch up on mail sent to my previous address (the lady who bought it isn't easy to get hold of, it seems, the neighbours say they hardly ever see her). I may also contact BC via Skype (so I can record the call) and inform them of a new address.

            Comment

            • #7
              Re: Unenforceability and moving house

              I had the same concerns although guess they will do a search first.

              Im sitting tight with mine
              Last edited by SA Gold; 22 February 2013, 12:40.
              When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

              Comment

              • #8
                Re: Unenforceability and moving house

                Hell, really pleased I read this as I have had mail redirected for 2 years so need to sort something out VERY fast
                When you have nothing you have nothing to lose

                Comment

                Previous template Next
                Working...
                X