Pip's UE Diary

[Joanna Connolly Solicitors]

Here's a question: If an account is statute barred, are there any risks if you move address? Can they record you as "gone away" or anything like that which might be flagged on a credit report? I'm guessing that an SB debt can't reappear on your report at a later date...?

Once an account is Statute Barred it’s Statute Barred and that’s that.

After that what does or doesn’t happen on your CRA file will be a sideshow which you can deal with accordingly.

Di

[Pip]

Re: Pip's UE Diary

Pip's account no. 7
Sainsbury's
Start date: June 2004
Balance as of Dec 2011: approx. £7,000
Last "full" payment (i.e. within their stipulated minimum): Sep 2010 (approx).
Last DMP payment via CCCS: Dec 2011
Default notice issued Feb 2011.
Status: Last payment in Dec 2011 (smaller amount in Dec 2011 than the regular DMP payment had been up to that month)

2012
JAN CCA request sent to Sainsbury's Bank (Royal Mail delivery conf. printed)
JAN CCA received-- emailed Niddy -- Niddy says

---snipped -- see post #7 for rest

2019
APR Letter from Ruthbridge We write to confirm that we are able to offer you a special discount on your outstanding balance. We are prepared to accept a Full and Final payment of 20% of the balance in settlement of your obligation. However the payment needs to be made no later than [next week] for the offer to be valid. Payments can be made via ... // Please ensure that funds are affordable and make us aware of any outstanding priority bills you may have before making this payment. Once your remittance has been received and cleared, our client where applicable will update the credit reference agencies to mark your account as partially settled.
NOV Letter from Cabot We have passed your account to Ruthbridge. As we've been unable to reach an agreement to repay your account, we have asked Ruthbridge to manage your account for us. // A letter from Ruthbridge is included with this letter; they will help you set up an affordable payment plan which will help you become free of your account.
NOV Letter from Ruthbridge We have been instructed by Cabot Financial Europe Ltd who have passed the above debt to us for collection of the outstanding balance. As we have been appointed as their agent you should now make sure you contact us and not Cabot. We are authorised to negotiate repayment of the debt with you. // We would like to resolve this matter taking into account your current financial situation and working with you to agree repayment terms that are affordable to you etc etc.
NOV Letter from Ruthbridge We have received no response to our previous attempts to establish contact with you regarding the unpaid defaulted account above. // In an effort to amicably resolve the situation we are prepared to offer a discount to settle the balance of up to 70%, subject to criteria. The payment must be received in our offices no later that ten days from now. // If you fail to contact us to discuss this offer further, propose an alternative arrangement for the repayment of the balance or advise us of th reasons why you are unable to pay, we may return the account to our client, who may look at alternative activity etc. etc.
2020
APR Letter from Ruthbridge We write to confirm that we are able to give you a special discount on your outstanding balance. We are prepared to accept a full and final payment of ~£1500 in settlement of your obligation. However the payment needs to be made no later than 7 March 2020 for the offer to be valid. You can make a secure payment by visiting our website. // Please ensure that funds are affordable and make us aware of any outstanding priority bills you have have before making this payment. Once your remittance has been received and cleared, our client where applicable will update the credit reference agencies to mark your account as partially settled.
OCT Combined letter from Cabot and Global Debt Recovery Ltd Cabot: As we've been unable to reach an agreement to pay your account, we've asked Global Debt Recovery Ltd to manage your account for us. // Global: We've been appointed by Cabot.
NOV Letter from Global Debt Recovery Ltd Please contact us so that we may assist you in the resolution of your account [...]. If no response is received within 14 days, your account will be escalated to our collections department.
NOV Letter from Global Debt Recovery Ltd [...] your account has been escalated to our collections department. // We are here to assist you in finding a solution to your account which is appropriate to your current situation. We would therefore like you to contact us without delay on 020 ... so that we may discuss your account and prevent further contact being made.

Yawn! Ignore! (I know it's not December yet but I love the Christmas smileys!)

[Pip]

And it's been tumbleweed on all these ever since!

[Pip]

Re: Pip's UE Diary

Pip's account no. 2
Halifax
Start date: Oct 2005
Balance as of Dec 2011: approx. £7,000
Last "full" payment (i.e. within their stipulated minimum): Sep 2010 (approx).
Last DMP payment via CCCS: Dec 2011
Default notice issued April 2011.
Status: Last payment in Dec 2011 (smaller amount in Dec 2011 than the regular DMP payment had been up to that month)

2011 = Pre-AAD days
JUN Moorcroft: Notice of "intended litigation", referring to Halifax as "our client"
JUN CCA request letter sent to Moorcroft
JUN Moorcroft: Notice of "possible litigation", including a list of silly potential fees
JUN Moorcroft confirming CCA request, say they've requested docs from Halifax; account on hold until docs supplied. Request for indication of info I would rely upon when giving evidence to a court (??!)
JUL Account in dispute letter sent (although, sillily, I was continuing to pay via DMP)
JUL Moorcroft confirming CCA request, identically worded to June letter
JUL Another account in dispute letter sent
JUL Moorcroft: "We understand our client has now contacted you with the relevant information [they hadn't] ... we trust that the documents resolve your query ...
SEP Moorcroft acknowledging direct payment to Halifax, saying that Moorcroft are responsible for the admin of the account and telling me I should pay them (even though they haven't bought it)
SEP Another account in dispute letter sent
NOV Moorcroft acknowledging direct payment to Halifax, same wording as Sep letter above
DEC CCA Final Demand sent to Moorcroft -- they signed for original CCA request letter in June and cashed the PO around the same time (checked with Post Office)

2012 = now following AAD guidance
JAN CCA request letter sent direct to Halifax (Royal Mail delivery conf. printed)
JAN From Moorcroft: Missed call (early morning weekend) and text from Moorcroft: Please contact us immediately on 0161 ... to discuss your overdue payment on account no. xxx. Another missed call from Moorcroft a few days later (evening)
JAN Moorcroft letter: Records show not paid Halifax full amount [did pay them something in Dec though]. Unless payment received by return of post, we may recommend to our clients that they instruct their solicitors to commence legal proceedings without further notice. Neither we nor client wish to take this step; call us on above no. and we would be happy to agree a repayment plan.Note: Moorcroft don't own this debt, they know payment has continued to go to Halifax, so why the hell bother paying the monkey (or indeed the organ grinder)...
JAN CCA received from HBOS directly -- emailed Niddy -- Niddy says and to wait for now to see what comes back from other lenders.

Snipped -- please see post #2 for rest

2017
JAN Letter from CapQuest: We are contacting you to make you aware of a discount option now available to you. We are prepared to offer a settlement figure which would reduce your remaining balance and could represent a significant saving for you. [...] Even if the offer of a settlement does not currently suit your circumstances, it is important you still contact us to arrange an affordable monthly repayment plan.
2018
MAR Letter from CapQuest: Settlement Opportunity. We'd like to give you the option to settle your £7,000 balance for £4,200. [...] Payment can be made any time until end of April. [...] If this offer is not suitable, we can work with you to set up a repayment plan tailored to your current financial circumstances. We look forward to hearing from you.
2023
JUL Letter from CapQuest: We (Capquest Investments Ltd) have assigned ownership and legal rights to your credit agreement to Intrum Poplar Designated Activity Company. They have appointed Capquest Debt Recovery Limited (Capquest) as an administrator of your account going forward. Another letter enclosed -- notice of assignment.
JUL Letter from CapQuest: Your account will now be managed by Resolvecall Limited. // We note that you have yet to contact us to discuss a suitable repayment option for your account. // Resolvecall specialise in visiting customers' properties to help engage and enable a discussion with you on your current financial situation and agree an affordable repayment solution.

Wow, one from the vaults! I've been away for ten days and Resolvecall have already started texting me. "Your account has been passed to us for a home visit. To prevent please visit [web address]".

Totally statute barred now though. I'm surprised they're bothering. I'll wait until Resolvecall start actually phoning and I'll tell them they've got the wrong number.

[Still Waving]

Wow, one from the vaults! I've been away for ten days and Resolvecall have already started texting me. "Your account has been passed to us for a home visit. To prevent please visit [web address]".

Totally statute barred now though. I'm surprised they're bothering. I'll wait until Resolvecall start actually phoning and I'll tell them they've got the wrong number.

They will more likely make a doorstep visit. You probably know the drill - No discussion, "thank you and goodbye"

[The Tech Clerk]

» Statute Barred - England (6 years)

[stuckinarut]

Wow, one from the vaults! I've been away for ten days and Resolvecall have already started texting me. "Your account has been passed to us for a home visit. To prevent please visit [web address]".

Totally statute barred now though. I'm surprised they're bothering. I'll wait until Resolvecall start actually phoning and I'll tell them they've got the wrong number.

Looks like they just love to flog aResovecall are nothing to worry about, they won't hang around to long once they know they can't spook you, hang tight

[The Tech Clerk]

» Harassment & Threat of Doorstep-Visit

[Pip]

AUG Letter from Resolvecall: We need to speak with you to understand your current circumstances to tailor an amicable solution that considers your present situation. // If we do not hear from you within 7 days from the date of this letter, Capquest Debt Recovery Ltd will instruct us, without further notice, to arrange a visit to your property. Please do not ignore this letter. Act now to have a positive discussion about your account.

Link to diary post ------>

Well they did send a letter, and somebody did come round! I spoke to the person through the door intercom:

"I'd like to speak to a Fred Bloggs."
"Sorry?"
"I'd like to speak to Fred Bloggs"
"There's no-one of that name who lives in this building."
"OK, sorry to have bothered you."

I haven't gone to the expense of writing to them or whichever Capquest of the many Capquest companies now are now administering the "account".
Let's see what happens next!

[The Tech Clerk]

beware capquest may take decision to try to get CCJ in the view the person no longer lives there? back door CCJ.. keep eye open for any movement from them.

If they are told statue barred then if they ignored the fact that would be up to them and loose funds.

[Roger]

beware capquest may take decision to try to get CCJ in the view the person no longer lives there? back door CCJ.. keep eye open for any movement from them.

If they are told statue barred then if they ignored the fact that would be up to them and lose funds.

Spot on The Tech Clerk
SILENCE doesn't mean dropping your guard! It means watching and second guessing!
You would think that they would have to send a LBC but it may be they could try a backdoor attempt at CCJ

[Pip]

Hmm. Capquest no longer "own" the debt -- it's been passed on to "Intrum Poplar Designated Activity Company", although Capquest Debt Recovery Ltd say they are administering it.

I've received a text message from Resolvecall: "We have not received contact from you following our recent visit to your property. Please contact us on 0141 --- quoting ref. number urgently."

[Still Waving]

I've received a text message from Resolvecall: "We have not received contact from you following our recent visit to your property. Please contact us on 0141 --- quoting ref. number urgently."

Even though you told them you didn't live there ?? (I wouldn't have done that btw)

[Ballister]

If it were me I would just send the Statute Barred letter and be done with all the hassle

[Pip]

Even though you told them you didn't live there ?? (I wouldn't have done that btw)

In all the years, this is the first time anyone has ever rung to bell to try and speak to me. I've had maybe two or three cards through the door, years ago, but no attempt ever to speak to me.

Resolvecall seem like a bottom-feeding debt collection agency though, so no repercussions from this. I'd rather they stop texting (no number on the text, so you can't block it), but if and when they actually phone, I'll say it's the wrong number. I'd prefer to avoid writing to them for the time being.