With the first letter it had an income and expenditure form I think

Thanks @BankFodder I have received a letter (well second one) from Moriaty Law which is chasing one of the loans (bamboo) on behalf of Lantern that states "FINAL DEMAND BEFORE PROCEEDINGS" which says that if I don't contact them then they have been instructed to issue county court proceedings, and shows a load of extra fees that would be added. I'm currently on universal credit. Is there any point in contacting them or just wait for the claim form? I'm still not quite sure what to do when I get one. Whelp The loan was £3000, they are asking for almost £6000 which is the total interest for the agreed term (I guess) letters.pdf

Probably because nothing comes of these "debts" because they can't do anything about it so people forget that they posted 4 years ago and don't come to update saying nothing happened...

I'm in load of debt (too much for a DRO) and "owe" paypal more than you. The way I see it is you never made any agreement with them to borrow money, they aren't a credit company, and in fact in your case someone else fraudulently (if true) did it. I really care not what they threaten as I can't see them having a leg to stand on whatsoever.

They have my address. They sent me a cheque here (and my SAR records if I recall correctly) Cabot have also written to me here (which I have ignored fully) I have just logged into online banking because there are unused accounts and my address is correct on there.

They offered to settle for £2k at some point (when the debt was c. £5.2k). Since then they reduced the balance owed by £1500 and sent me a cheque for 400-800£ (I don't remember the amount) as a refund of some charges. They then recently sold the debt off. They have my current address as do Cabot. I don't recall when they received this address but I've been here over 3 years now. I did SAR them at some point for the statements. To be fair the amount "owed" is probably not made up by fees now. I was just wondering if their payment to reduce the balance/my communication with them accepting a cheque from them would have reset the Statue Barred clock. If it didn't I reckon the new owners of the debt have until some point next year to do court action. This is one of many but I thought Halifax had written this one off in practice to be honest. They've just sold it now after no recovery activity in 4-5 years!

I received a notice of assignment and also it now shows on my credit report as being in wetcloth's name @Old Cogger I have no intention to contact them any time soon just wondered if the fact halifax had been in touch with a partial refund to me and also the account restarted the statute barred clock I'm so sorry its CABOT not westcot. My fault

One of the Loans has been sold to Lantern. They issued their notice of assignment by email. Is this legitimate if/when it goes to court? Or does it have to be in physical written form? I have ignored this debt buyer and plan to unless I receive a PAP. Also they have sold it with the whole 3 year's interest due. Back last year Bamboo said they would start an irresponsible lending complaint for me (I have this in writing, by email) but when I chased they said I hadn't started one (and I didn't) Should I do one still as I understand if they agree with it they will remove the amount owed back to principal only? If I do this does it restart the statute barred clock (which is nothing at the moment, less than a year so far but I don't want to make any unnecessary contact) Thanks!

After no contact regarding trying to chase this debt, Halifax have sold this debt to Westcot. It shows as defaulting/closed in 2015 so I am hoping to run the clock down until it is statute barred. Part of me has a feeling that it A couple of years ago Halifax contacted me (without me asking) and said they had been reviewing accounts and had treated me unfairly at the time so were making a refund of x amount of fees. An amount (i don't recall exactly what, 800£ or so) was paid to me via cheque and the rest was reduced off the owed amount by them. I was wondering does that reset the 6 year clock do you think? I also have a feeling that they had the default registered/account active in 2016 (also the date I started this thread) and part of them "making things right" was moving the default to when it should have been in 2015. Last thing I want to do is in 6 months or whenever it is write to Westcot and say its SB and them to say it isn't because of the above and restarting the 6 years... Cheers

Brilliant thanks that's what I needed to hear. I'm gonna go back to burying head in sand/ignore everything but "pre-action protocol letter" you mention which is I guess what comes before a ccj. Many thanks. I enjoy ignoring them. Just wondered if I should have done anything else. Thanks @London1971!

Ok so I have had enough of a break from not dealing with any of this. I spoke to Stepchange and their advice was to send creditors my I&E plus list of other creditors and ask for a payment suspension for 12 months. I can't see why I should tell them who else I owe money to? My total debt is around 30k it looks like. My income at the moment is £400 and outgoings more than that so it's not great! I have nudged bamboo again about the irresponsible lending complaint as that one genuinely was. The rest I don't know if I can claim any irresponsible lending as they were just credit cards and the first loan I took out I was in an ok position. Now stuff has mainly defaulted what should my next steps be? I do feel I should write to them again and get the £1 a month going? Or not? I genuinely don't see things improving anytime soon. I'm somewhat tempted by the bankruptcy thing because what have I got to lose? It's going to take 6 years for my credit file to repair either way and I don't have any assets. I am aware it costs £680! Stepchange didn't recommend bankruptcy and that's only because I couldn't afford the fee but I could borrow that to make it all go away. I don't really see the downside at this point as I can't see myself paying off 30k+ I could ignore things and let ccjs come and say I have only £1 a month to pay or what? Could I get some debts written off by writing nice letters pleading and avoiding all the inevitable hassle that is coming? My mental health is not great at the moment to say the least.

With all due respect they will. You know my paypal situation from my main thread. It's the same essentially. I have simply removed my tainted paypal account and linked my new (third) account to it now. My Ebay account I've had for donkey's years so loads of feedback etc.

The same good as paying any service provider; you get to keep using them. It's just totally separate from his paypal 15k gambling balance. Sure he doesn't have to pay them, but he does owe them and if he wants to use the same ebay account then I imagine he would have to

because of this @dx100uk

Ebay doesn't own Paypal anymore. They are separate entities. Just pay your ebay fees with a debit card.