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hi , have seen some other threads similar so was wondering how people have got on with this.
i was with stepchange for 12yrs chipping away at debt with small payments - decided to go down CCA route at christmas and received letters back saying all debts (link, cabot and lowell) unenforceable as unable to find CCAs. my last payments to these companies was dec 2024 via stepchange - i no longer am with stepchange and havent paid anything to them since then. i appreciate none will be statute barred as have been paying through stepchange , but none of these debts have shown on my credit reports for years and my credit rating is excellent lol!
lowell wiped the debt as soon as they admitted unable to provide CCA - thank you to Lowell,, cabot havent wiped it but havent really bothered me , but Link have been an absolute nusiance sending letters which i have not responded to as they sent a letter which i have saying they cant find CCA so unenforceable. i did write to cabot and link saying i wouldnt be paying anything until CCA supplied and to stop harrassing me .
so then on saturday here somes this letter from Link saying apparently debt was sold to LC asset 1 sarl on 29/11/18 ?? - dont remember ever receiving info on this? all stepchange statements say Link still and letter saying unenforceable from Link . sit tight till hear from kearns solicitor? then say again i have letter saying unable to find CCA? or write to link reminding i have letter proof of unenforcability ( i only have 14 days apparently to respond)
how have others got on with this, would like to understand where this could lead to , all suggestions welcome - many thanks
i was with stepchange for 12yrs chipping away at debt with small payments - decided to go down CCA route at christmas and received letters back saying all debts (link, cabot and lowell) unenforceable as unable to find CCAs. my last payments to these companies was dec 2024 via stepchange - i no longer am with stepchange and havent paid anything to them since then. i appreciate none will be statute barred as have been paying through stepchange , but none of these debts have shown on my credit reports for years and my credit rating is excellent lol!
lowell wiped the debt as soon as they admitted unable to provide CCA - thank you to Lowell,, cabot havent wiped it but havent really bothered me , but Link have been an absolute nusiance sending letters which i have not responded to as they sent a letter which i have saying they cant find CCA so unenforceable. i did write to cabot and link saying i wouldnt be paying anything until CCA supplied and to stop harrassing me .
so then on saturday here somes this letter from Link saying apparently debt was sold to LC asset 1 sarl on 29/11/18 ?? - dont remember ever receiving info on this? all stepchange statements say Link still and letter saying unenforceable from Link . sit tight till hear from kearns solicitor? then say again i have letter saying unable to find CCA? or write to link reminding i have letter proof of unenforcability ( i only have 14 days apparently to respond)
how have others got on with this, would like to understand where this could lead to , all suggestions welcome - many thanks