Stepchange for 12years

tritons0

So the letters are starting lol ! So they ‘still need to talk to me’ and I will ‘still receive contact regarding this account’ . I should continue to ignore? 

There’s another two accounts with Cabot so expecting letters to come through thick and fast . Anyone know how many likely to receive? 

Many thanks 
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tritons0

And they can’t supply CCAs for any of them 

sourcrates

Look, you are only a few weeks down the CCA route, one or more of them may still produce something that`s compliant.

lack of compliance with a CCA request only removes a creditors right to use legal action to recover the debt, nothing more, they can still continue with collection activity, they can still report to your credit file, so don`t expect them to just stop, because it won`t happen.

If things stay as they are, they will eventually turn their attentions to those accounts that are enforceable, but until then, expect more of the same.

Rob5342

I have an account with PRA that they said was unenforceable. It didn't stop them phoning me every two days and emailing me once a week for 18 months but they have now got a bit bored and I only hear from them occasionally. It's best just to treat it as a long game, don't expect anything to change immediately, ignore the automated pestering and give it a while to see how it pans out. 

tritons0

Will sit tight and hope they move on 
thank you for your replies 

tritons0

Out of interest did it affect your credit score when stopped paying ? One check on mine has added loan back on and it’s reduced score by 33 points - that’s on Experian 

tritons0

Oh just rechecked this - it’s because car insurance gone on as a ‘loan’ - mystery solved haha . 

fatbelly

Check your credit file for errors but don't worry about the score. No-one sees that apart from you.

tritons0

Many thanks