stopped sending me mail

Tyler_Durden_5

Hi all

I have a credit card with a balance of a couple of thou: They stopped sending me mail due to a ****-up by the post service, and I phoned the CC company to tell them this had happened. They said they needed written confirmation that I had not moved, as the mail had been returned. I said I would not waste my time writing as I had never moved, and they could check with the electoral roll or royal mail. I felt they were going to hit me with penalty charges for the period when they returned the letters.

Now I haven’t hreard anything for about 6 months – what will happen if I do nothing?

Can I consider they have stopped seeking payment from me?Is there a time after which they can’t chase me even if they want to?
I am still where I always was (here on paper St, no-one else around for a mile) – so I’m easy to find…….what are my options?

They were obnoxious when I phoned too, so maybe it serves ‘em right…..


Tyler



“You're not your job. You're not how much money you have in the bank. You're not the car you drive. You're not the contents of your wallet. You're not your ****ing khakis. You're the all-singing, all-dancing crap of the world.”

pickle

I don't have any experience of this myself but i'd imagine that they'd be charging loads of interest - probably late penalties (which i've heard are extortionate). I'd write to them ASAP detailing what's happened and the fact that you have already spoken with them and that you have still not received any bills (and make sure you send it by security post so they have to sign for it and so you can prove that you had informed them). If you want an expert opinion get down to your local Citizen's Advice Bureau.

zcaprd7

Err, I hope you have been meeting your minimum repayments by DD?

Otherwise your credit file will be shot to bits and you'll still have to pay the debt off with all penalties/interest.

I don't think they were unreasonable in asking for evidence of you address - they will say its to prevent fraud.

Reaper

I afraid I agree. Regardless of who is in the right you are heading for endless arguments and a dreadful credit rating. I think you would have been better off sending them proof of address. From their point of view they don't want to send out financial information to a wrong address as it could be used by fraudsters for identity fraud. Likewise sending replacement cards.

I'd urge you to contact them, explain the situation was due to the post office, ask to be let off any fees, have your credit history repaired and give them proof of address.

By the way although you are free to do so I notice your full name and address appears with your posts. Most people here prefer anonymity when discussing their financial affairs, but it's up to you.

Tyler_Durden_5

Thanks. A consesnsus is energing but I am keen to hear from others who see any other sides.



Address! Wow, you need to get out more or rent better DVDs!

The address on my posts is from a movie. There really is a Paper St. in Wilmington, Delaware, US, but there is no number 1537.

I am not really Tyler Durden, nor am I Jack's sense of indignation!


Tyler


"[/I]A new car built by my company leaves somewhere traveling at 60 mph. The rear differential locks up. The car crashes and burns with everyone trapped inside. Now, should we initiate a recall? Take the number of vehicles in the field, A, multiply by the probable rate of failure, B, multiply by the average out-of-court settlement, C. A times B times C equals X. If X is less than the cost of a recall, we don't do one.

Galstonian

I don't think you'll find another side.

The card issuer can argue that they supplied you with terms and conditions of the agreement and you have not kept to it. Your only excuse for not doing so is that the they haven't either but their reason for doing so was to protect you (anti-fraud measures to confirm your identity), they have informed you of this and notified you of action you should take to return things to normal. They cannot prove you still live there by going to the electoral register or royal mail, maybe they'll seek a CCJ to prove you are there?

I know of no legal penalties for being obnoxious to customers but there are several for defaulting on debts. Frankly I cannot understand why you would think they might write off your debts because you won't send them some documentation.

DiggingOut

You hadn't given them that Paper Street address, had you? That could explain why the post was returned....

Cardinal-Red

You can almost see this post exactly in reverse too.

Imagine an MSE's response if a CC company issued a card to somebody who phoned up at their old address claiming to be there etc.

I say well done to the company for bothering to do these cheques!

nh

I had a somewhat similar problem with marbles, when I actually DID move house. I moved house, told them my new address but also paid off the balance of the card, so when I didn't receive statements I didn't think anything of it. However, the final payment to the card had arrived late so there was a late payment fee and a little bit of interest on the card even though I thought I had paid it off. They sent me a bill but had recorded my new address wrong so when the bill got sent back to them they didn't send any more (they are not allowed to apparently). I only found out when I started getting turned down for credit and got my credit file and had loads of missed payments on the Marbles card.

I got it sorted in the end but it was a nightmare and at first they said they wouldn't repair my credit file. I argued that they could have rung me at my new addres (they had the number) to see what had happened to me and they admitted they should have done.

They admitted in the end that they hadn't provided an appropriate service but I doubt in your instance they (or any cc company) would feel the same.

And your credit file will be shot.

Reaper

Tyler_Durden wrote:

Address! Wow, you need to get out more or rent better DVDs!

The address on my posts is from a movie. There really is a Paper St. in Wilmington, Delaware, US, but there is no number 1537.

LOL. I must have been half asleep. I noticed a name and address without really registering what it was. I even have Fight Club on DVD. Must have been one of my frequent blonde moments.

Martinslovechild

Cardinal-Red wrote:

You can almost see this post exactly in reverse too.

Imagine an MSE's response if a CC company issued a card to somebody who phoned up at their old address claiming to be there etc.

I say well done to the company for bothering to do these cheques!

I don't think that they issued any cheques, cardinal. The problem was with his address.