Hello, I just have a really quick question regarding Statute Barred Letters. I recently received a letter from resovlecall regarding a old Amazon credit card/Halifax that I had in 2007. In the letter it said that resolvecall was working on behalf of Intrum, who do I send the SB letter to? Resovlecall, Intrum or both? Thank you in advance for any help I may receive. Choccie

It is okay. I found the answer.

I am a little stumped as to who I make my complaint to. I had an Aqua card but it was governed by Halifax at the time. So, do I make a compliant with Halifax or Aqua? Thank you in advance.

Thank you for explaining. Yes, I think getting a SAR would be good to get the full picture. In regards to Lowell's I haven't heard a peep from them and only knew about them through seeing them on my credit report.

Thank you for the link I will check out some of the threads there. I am probably missing something obvious here. But why would they do that? Sorry that I am a little slow on the up take a few months I suffered a head injury and it takes me a while to get things.

Thank you for your reply, dx100uk. There is a CPP forum? Where would a found that, please? I have looked in the banks forums and I can't seem to locate it. I am looking in the right place? No, I haven't touched this debt since Oct/Nov 2011 and according to my credit report it defaulted in 29/6/12. Why does that ring alarm bells?

Thank you Hortz for answering my questions, as I said I just wanted to understand more fully what certain things mean and you have been very helpful.

I am hoping someone can answer this Lloyds ppi question for me. Before I actually ask this is more so I understand than wanting help at this moment in time. The question I have is in regards to a Lloyds assit card that was taken out on 24 April 2001 I found some old statements and it had something called a CPP on it which disappeared around 2006 and ppi started to show instead on the statements. So my question (s) are: 1) What actually is CPP and how is it different to ppi? 2) If someone was claiming them been mis-sold (for whatever reason) would it be one claim for both or two separate claims? And a couple of unrelated questions: 1) Out of all the Credit ref companies which is the best between Noddle, Clearscore & Experian? The reason I ask is because on noddle it says that an account is open but on clearscore it says the account is closed and even though I just received my £2 report from Experian I don't understand what is open or closed on there. 2) If on my credit report it says that an account is settled and has a £0 balance by the original lender but DCA (Lowells) says there is still a balance owing. What does that mean? 3) On my credit report a DCA is shown to have updated three different times for the same account. On noodle it shows - 7th September (account open) On clearscore it says - 15th September (account closed) On Experian it says - 20th September (account open? not sure due to the fact I can't figure out how to read there paper reports) Which of those dates is the correct one? Also, can a DCA open and close the account like this? Thank you for any replies I may get and I do apologise for all the questions but I just want to get an idea how to understand all this and if I don't ask then I will never know.

Thanks for your reply again, surprise. Congratulations on winning against 1st Credit, first of all. This is all taking its toll on me but my sister (smarties21 on here) signed up yesterday and she's going to help me deal with this. I really wanted to manage this all on my own but it's just making me ill. I will end up checking back on here but, for now at least, my sister has all the letters and notes about this so she can handle things on my behalf. Thanks again for everyones advice. We'll both be following it closely.

Thanks for the reply, surprise. I've scanned in both pages but I didn't want the pages to be unreadable so I've kept them quite large. Because of that I'm just going to link them for anyone that wants to take a look. Application Form (?)* Financial and Related Conditions Thanks in advance! *I should point a few things out. Firstly, the top line ("Your Priority Aqua ... ...") was cut off already on the copy they sent me. Secondly, they blanked some of it out, but I've blanked out other bits because, unless it's important, I didn't want just anyone be able to read it. In the first section called More about you where it asks "Are you:" it's about my marital status, the second "Are you:" is about my living arrangements. Finally, the "About what you do" section asks me to tick a box regarding my Occupation. Figured that was worth explaining. Thanks again.

I'm sorry about this, I didn't know whether to start a new thread or reply to this one. I thought perhaps it would be best to reply but I apologize in advance if starting another thread is the preferred action on this forum. Anyway, the reason I'm writing again is that today I finally received a reply regarding the CCA request. I will scan it in as soon as I hook our scanner up if needed but here are a few things of note: The letter is date stamped for 10th December There are 3 parts to it; 1. 1st Credits logo, address and "With Compliments" 2. A photocopy of my signed agreement with Aqua 3. Aqua Credit Card Financial and Related Conditions On the signed agreement it has my personal and financial details, a few ticked boxes (one agreeing to payment protection and one agreeing to their terms), my signature and the date I filled it in (5th July 2002). Will they be in contact again or am I suppose to write to them? Thanks in advance. Have a good weekend all.

Thanks for the replies everyone. I don't know how I'd be coping if I'd not posted on here - you've all been such a big help to me. Before I forget though, is the 12+2 starting from when I sent my letter or when they sent theirs? Glad it's almost the weekend now.

Thanks again for all the help and advice. I received the reply from 1st Credit today. Here's what the letter (dated 8th October) says: I must admit, this doesn't make a great deal of sense to me. Do I just wait until their "client", Aqua, get in contact with me? :-? Thanks in advance for any replies.

Thanks for the reply again, PossVox. I won't speak to them on the phone and I will try not to worry myself excessively this weekend. I'm sorry to be a bother again but there's one thing about the letter I don't quite understand. I feel foolish to ask but I'd feel even more foolish if I didn't. It's regarding the reference / account number I add. Because the letter is addressed to 1st Credit I assume I write their reference number, but am I also meant to include my Aqua credit card account number too so they know what this is in regard to? Sorry again for all the questions and thanks in advance if anyone can advise me.

Sorry to reply so quickly, but I'm concerned about something. The last phonecall I had with them when they asked for all the money (I haven't spoke to them since then), they asked for my mother's maiden name which I gave. Now I know I shouldn't have, but will it make a difference that I said that? I hope it won't because it's before any agreement, but I have to ask for my own wellbeing. Can they use it against me in some way? Thank you again.